There are a few things you should avoid saying to your car insurance company when you're filing a claim. First, don't say that the accident was your fault. Even if it was, admitting responsibility can raise your rates or even lead to denial of coverage. Second, don't exaggerate the extent of your injuries or damage to your vehicle. This can also lead to higher rates or denial of coverage. Finally, don't give a recorded statement to the other driver's insurance company without first consulting with your own insurer. Doing so could jeopardize your claim.