You're in an automobile accident and there must be a car accident settlement. You're dazed as well as maybe injured. Your car is a pile of junk. Stress and bills are escalating. Then your insurance adjuster turns up, to ask a number of relevant questions for the settlement amount. That seems reasonable, right? After all, asking relevant questions is part of what they do.

Be warned. Here are three relevant questions that if you answer shortly after the accident, you might lower your settlement amount.

Question 1: Could you have prevented the automobile accident? How?

This is a difficult one. Perhaps you weren't paying attention as much as you ought to have (darn that mobile phone ringing). Perhaps you did everything right and conditions were beyond your control (a wheel blow-out is one case in point).

In any case, it's best to not answer this question right away. What must your answer be? Some-thing like, "No, I couldn't have prevented the accident." Even if it was possibly your fault, you require time to think it all through, as opposed to blurting it out instantly.

Question 2: Do you have the names as well as phone numbers of the witnesses?

Yes, you should have gotten this info at the time of the accident. No, you shouldn't provide this info to anyone apart from the police or your attorney, at least not right away. The witnesses ought to have given a statement to your lawyer or the police before you give the names as well as phone numbers out. Why?

Some-times adjusters will call the witnesses and attempt to cast uncertainty on what they saw, or even what they think they saw. Thus witness statements should be taken before the adjuster gets the information. Bear in mind, the adjuster works for the insurance provider, not for you.

Your answer must be, "There might have been, however I will need to check as well as see, and after that give you a call back."

Question 3: Did you have injuries prior to your accident?

The answer to this one should be a quick yet firm, "That info must come from my medical records, so I must consult with my doctor and get back with you." Medical records can't be provided to just anyone, unless you've already omitted that right beforehand. The adjuster can not get that information unless you specifically authorize it.

You must protect your rights, and receive the amount you are due for your car accident settlement. Just remember these three relevant questions, but I hope you never have to utilize them!

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