When they want your signature on a policy, insurance companies will likely tell you whatever you want. After this, they will try to minimize their loss through claims. They aren’t eager to honor claims. These questions are designed to reduce or even completely void your claim if you make a claim under your auto insurance policy.
When you file a claim, you don’t have to provide all the information requested by your insurance company. They are looking for loopholes that they can use to reduce your claim. It would be a mistake to give too much information. These are some questions that could prove to be extremely harmful for your claim.
1. Can we get the addresses and names of witnesses to the accident?
It appears very innocent and many people would happily, and quickly, give this information. Most insurance company investigators don’t want to prove your claim, but to disprove it. They can get to your witnesses by giving them their names and addresses. How can they do that? They pose questions, pretending to be interested in certain points, and make the witness question everything they see. These techniques are not for the faint of heart. You cannot know how well your witness can manipulate you so it is best to hold off on your witness issue. If your witnesses become unsure, then you could be looking at a lost claim. You can promise to investigate it and get back with them as soon as possible.
2. How could you have prevented this accident?
Aha! Aha! Acceptance of fault would lead to a reduction in settlement, or even an annulled claim depending on how severe the fault was. It is important to note that your insurer may assume that you have committed a crime by asking this question. Don’t be caught napping. You can’t do it! Simple! Don’t try to explain more than you are required. It was your fault that you were thrown into the accident and that there was nothing you could do to stop it. Every little admission of fault will result in a reduction in your settlement.
3. Are there any injuries you sustained in an incident before?
This should allow you to see the end goal. You should be able to see where this is leading, even if they have ever injured you in the past. You should not allow them to minimize their responsibility. At the time of a claim, do not tell your insurance company about any past injuries. Do not reveal any previous injuries to your insurance company. Tell them that you will meet with your doctor to discuss it and they will get back to you on it. An explanation from your doctor is better than something you say that can be twisted for the insurance company.
You can see the above questions and be alert for any other tricks questions that could be used against or not in your favor.
You can find an insurance company that will not attempt to scam you if you have not yet filed a claim. Compare quotes and get a free online quote for car insurance. As you search for affordable and adequate auto insurance policies from trusted companies, a free online quote can be a great help.
