Phrases that can cost you money
- “It was my fault” or even “I'm sorry” — anything that sounds like admitting blame.
- “I'm fine” or “I'm not hurt” — injuries like whiplash often show up days later.
- Guessing at speeds, distances, or details you're not sure about.
- “Yes” to a recorded statement before you're prepared.
- “I accept” to the first offer — it's almost always negotiable.
What you can safely say
Stick to the undisputed facts: the date, location, vehicles involved, and that you're seeking medical treatment and will document your claim. If you're unsure about anything, it's fine to say you don't know rather than speculate.
Why adjusters push
An adjuster's job is to close claims quickly and cheaply. Friendly small talk and early phone calls are opportunities to capture statements that can later be used to devalue or deny your claim.
Let the AI do the talking
With your permission, SettleFair communicates with the insurance company for you — submitting your claim and negotiating from documented evidence — so you never get tripped up on a phone call.