Keep the Facts Simple

Generally, the insurance company is going to want a statement (recorded or otherwise), and they’ll tell you they can’t do anything without it. If they tell you that, they are overstating your obligation to them. If you make a claim, you don’t have to give them a statement. They have an obligation under Arizona insurance law to investigate your claim and make a decision. Do not ever give them a recorded statement. You waive your rights doing it. Do not discuss your injuries. Whatever you tell the insurance company can be used later against you. Even seemingly innocent questions can seriously hurt your chances of successfully resolving your claim. It is better to say too little then too much. If you do give a statement, keep it simple. The basic facts -- your driver ran a red light at the intersection of Oak and Pine -- are more then sufficient.

Reporting the claim typically triggers the insurance company to send you a medical authorization form so the insurance company can collect your medical records and bills. Do not sign this. You waive your rights by doing so. Most of these authorizations go back to the day you were born and are merely a fishing trip by the insurance company to look through your entire medical records for another source for your injuries besides the accident. The authorization seems innocent enough (“so we can pay your bills”). However, it is technique for them to use your own medical records against you when it comes time to resolve your claim. Why would you want to give the insurance company this advantage?

If you would like to review your accident claim with us for free before you contact the insurance company, please contact us at 602.424.5547 or complete our online contact form.