You need to be very careful when speaking to an insurance claims adjuster. During these cases, you will often be dealing with your own insurance company as well as the insurance company of the alleged negligent party. Both insurance carriers will want to talk to you. Whether you are talking to your own insurance claims adjuster or the adjuster from the other party’s insurance carrier, there are some things you need to keep in mind:
Stick to telling the facts as you know them. You do not need to go into significant detail about the case, just the facts as you know them. Do not speculate about anything you did not actually see. By sticking to the facts, your story will stay the same no matter how many times you are asked your version of the events.
Do not admit fault. Even if you think you are partially or completely at fault for the incident, do not admit it. Let the insurance companies do their job and properly investigate the incident. After you admit fault, it is hard to take that back.
Do not get sidetracked. Insurance adjusters are trained to get you off-topic by discussing events about your life that may reveal that you are not as injured as you say. Do not talk to an insurance carrier about your weekend plans, your gardening, or your home repairs. This will give an insurance claims adjuster information to use against you by claiming that you are not as injured as you say you are.
Do not discuss your past medical history. Under no circumstances do you need to discuss any of your past medical history, including any injuries you have sustained in your lifetime.