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How to avoid saying the wrong thing to your insurance company when filing a claim saying the wrong thing to your insurance company when you file a claim can mean the difference between a quick settlement and an ongoing struggle here are some words and phrases worth avoiding you will need brevity discretion cordiality common sense and a written record optional and attorney step 1 when filing a claim whether in writing or over the phone with an agent answer the questions as simply as possible and don't volunteer any additional information avoid using the words flooded and mold when filing a claim for property damage they may trigger investigations that can get your claim delayed or denied step 2 steer clear of any words that indicate you're receiving non-standard medical treatment such as experimental or clinical trial use the phrase medically necessary when describing your treatment step 3 when reporting a car accident to your insurance company describe what happened in a brief straightforward manner and don't apologize also avoid using the word whiplash which can raise red flags with insurance companies because of the frequency and fraudulent whiplash claims consult with an attorney before giving a statement to the other drivers' insurance company step 4 no matter how upset you are with your insurance company when filing claim avoid being abusive everything you say may be noted in your claim records and being difficult won't help your cause step 5 remember that the insurance claims adjuster is not your friend don't let your emotions or their apparent empathy love you into saying the wrong thing when filing a claim step 6 take detailed notes of all conversations with insurance companies including the names direct phone numbers and job titles of everyone you speak to they will come in handy if you have a problem down the road did you know Hurricane Katrina resulted in 1.7 million insurance claims across six states you
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