What Questions Will the Insurance Company Ask Me?

You’ve been injured in a car accident, and now the insurance company is calling. This can be a very stressful experience and it is difficult to know what to expect. The insurance company is going to try to find you at fault (they are, after all, interested in paying out as little as possible). When the adjuster calls, don’t be nervous or scared, but you should have your guard up. The best tactic is to communicate the details of your accident honestly.

The 4 Questions The Insurance Adjuster Will Ask

  1. Will You Describe the Accident?
    The insurance adjuster will want you to describe the accident in as much detail as you can. What they are listening for are unlikely or inconsistent information. Be honest but be mindful that they are actively trying to find you at-fault, even if seems obvious that the other driver was at-fault.

    Communicate very clearly the details of your accident. Avoid using ambiguous phrases or emotional judgments about what happened. Stick with the facts and be honest.
     
  2. Did You Leave in an Ambulance?
    If you were seriously injured, you likely left in an ambulance. However sometimes the symptoms of an injury (particularly soft tissue injuries) may not appear until hours, or even days, after an accident. If this is the case, let the adjuster know you did not leave in an ambulance but you visited the doctor as soon as the symptoms became apparent.
     
  3. What is the Nature of Your Injuries?
    The insurance company will ask what your injuries are, what they are like, what your pain level is, and what treatment you have received. They will get very personal and ask many details. Again, the key is to be honest yet guarded. Stick with the facts.

    The insurance adjuster may comment on your treatment or other details. If they do this, they might be trying to get you to admit the treatment is excessive or unnecessary. An adjuster is not a medical professional, do not take their advice and stick to the treatment recommended by the doctor.
     
  4. Details, Details, Details
    Be prepared to answer a lot of detail oriented questions. The number of questions they will ask will probably surprise you. They will ask:
    • What the weather was like?
    • What time of day was it?
    • Did a body part impact a part of the car? Where did the impact occur?
    • Who was involved?
    • What lane were you in?
    • Which direction were you going?
    • What time of day was it? Did you have your headlights on?
    These are just a few examples of the kinds of detail oriented questions the adjuster will ask you. Don’t be alarmed! They do this for each case, no matter who was at-fault or what information they have already.

There is a chance you may not remember the details of your accident, or they may catch you off guard and ask you something that you were not expecting. If this happens, you are allowed to say you don’t know. However, you should give the adjuster all the details you can. They will work with the information they have, and if you cannot recall how an accident happened, but the other driver can, the insurance company may assume the other driver’s account is accurate.

If you had a car accident in Virginia and need more information about the legal process of a car accident case, download our FREE book 5 Deadly Sins That Can Wreck Your Injury Claim. You can also contact BenGlassLaw at (703)584-7277.