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3 ways insurers could try to reduce your claim after a car crash

If you are in a car crash, your thinking may not be as sharp as usual for several days. The shock and distress of the situation and your lack of knowledge of legal matters can leave you vulnerable.

That is why you need to take great care if anyone from the insurance company rings up. While insurers promise to cover people in crashes, they will do their best to avoid paying out. After all, they are a business, and profit is the equation of money in minus money out. So the less they spend, the more profit they make.

Here are some of the things insurers can do to maximize their profits:

Getting you to admit fault

You might have been partially at fault for a crash. Yet you should never admit that. It is for the other party to prove this.

Getting you to change your story

Perhaps your memory of the crash is a little hazy. Yet you need to work out your story and stick to it. Otherwise, a court may consider your account unreliable. If an insurer can make you doubt yourself, it weakens your argument.

Getting you to admit you are fine

You may be feeling much better a week after the crash, but you should not tell the insurer that, as they could use it to say you do not need so much compensation after all.

You do not need to answer the phone to the other party’s insurer. You certainly do not need to answer any of their questions or provide them with any information. If they call you, the best thing you can do is either ignore them or tell them to speak with your legal representative. Someone who knows your legal rights and understands the tricks insurers use to minimize payouts has a far better chance of getting you the full compensation you deserve after a car crash.