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Should I give a statement to the insurance company?

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Should you give a statement to your own insurance company? The short answer is still no.

Unfortunately, when seeking compensation for an injury that was not their fault, accident victims can fall into many traps that can negatively impact their claim payouts. This is due in part to the complexity of the legal system in Texas, but also due to the common practice of insurance companies deliberately devaluing claims.

Luckily, here at Abraham Watkins, we have a long history of protecting personal injury and accident victims from the tricks of insurance companies and maximizing their compensation. If you were injured in an accident that was not your fault, you could recover compensation for your medical bills, lost wages, pain and suffering, and more. Contact us today by calling 713-222-7211.

Even Your Own Insurance Company Is Not Always on Your Side

As for-profit businesses, insurers aim to minimize payouts, even to their own clients. This includes using insurance adjusters trained to devalue personal injury claims.

At Abraham Watkins, we’ve spent over 75 years helping personal injury and accident victims recover full compensation. If you were injured due to someone else’s negligence, you could be entitled to damages for medical bills, lost wages, pain and suffering, and more.

Call 713-222-7211 today for a free consultation.

Are You Legally Obligated To Give a Recorded Statement?

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You are never under any legal obligation to give a recorded statement to an insurance agent, whether they are an insurance adjuster from your insurance company, or the insurance company of the other party involved.

Even if you are in an accident and have to swap insurance details with the other driver after the crash, this does not obligate you into giving a recorded statement to the other party’s insurance adjuster or insurance company.

If they call and ask any questions, try not to be rude, but do not answer any questions about the accident or give any recorded statements. Calmly refer them to the police report instead and refuse to say anything else.

Speak to Your Legal Team Before Your Insurance Company

Because an insurance company or insurance adjusters can do so much damage to your insurance claim over the claims process, it is important to have an experienced personal injury attorney by your side from the very beginning.

This means from before you speak to your insurance company, or if you were involved in an accident, the other driver’s insurance company. Your first move should be to talk to a lawyer.

They will be able to brief you on exactly how to approach the claims process without impacting the amount your claims could be worth.

How Insurance Companies Commonly Devalue Personal Injury Claims

There are several strategies that an insurance company or their insurance adjusters use to decrease the amount of money your claim could be worth.

The following sections will describe them and how to avoid these pitfalls.

Can They Trick Me Into Saying the Wrong Thing?

Yes. Adjusters often ask leading questions or encourage you to speak too soon after an accident—when you may not fully understand the extent of your injuries. Disclosing too much can be used to claim partial fault or deny injury.

What If They Ask Me for a Statement?

Never provide a recorded or written statement without legal counsel present. These statements can be used to minimize or deny your claim.

Should I Sign Any Paperwork?

No. Never sign documents from an insurance company without a lawyer’s review. Even seemingly generous offers can waive your right to further compensation if your condition worsens.

Can They Blame My Injuries on Pre-Existing Conditions?

Yes. Insurers may argue that your injuries stem from a pre-existing condition. To fight this, your attorney can use medical records and bring in expert witnesses to prove your injuries were caused by the accident.

What If They Make a Low Settlement Offer?

Lowball offers are common. You can refuse and negotiate, but remember: insurance companies have extensive experience. Legal representation significantly improves your odds of fair compensation.

Contact one of Our Accident Lawyers at Abraham Watkins Today

Here at Abraham Watkins, our legal team has more than 75 years of experience fighting for financial justice for clients just like you. Whether you were injured in a car accident,a slip and fall, or a case of products liability – you will likely have to speak to an insurance company or insurance adjuster. We will help you handle it.

If you would like to know exactly how we would help in your specific case, you can call for a free consultation at any time. We will run through the facts of your case and your chances of success – all at no obligation. 

To find out more, call us at 713-222-7211 today.

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