Trick Questions Insurance Adjusters Ask after a Wreck

If you've been in a car crash in Louisiana, you might get a call from the other driver's insurance company. Be careful. Insurance adjusters sound friendly, but their goal is to save their company money, not help you. They often ask questions designed to make your injuries seem smaller or to blame you for the crash. Here are five trick questions adjusters ask after a Louisiana car crash to watch out for:

1. "How did the crash happen?"

This sounds innocent, but they’re hoping you’ll say something that makes it your fault. Keep your answer short. Just explain where you were, where you were going, and what you saw. Don’t guess or say anything like "I feel bad" or "I was tired."

2. "Were you hurt?" or "How are you feeling?"

If you say, "I'm fine," they may use that to say you weren’t really hurt. It’s better to say, "I’m still being evaluated by my doctor."

3. "Everyone gets distracted sometimes, right?"

This is a trick to get you to admit fault. Don’t agree. Just say, "I was paying attention to the road."

4. Questions about your health history

If they ask about conditions like arthritis or old injuries, they're trying to blame your pain on something else, like a pre-existing condition. You can say, "That’s not relevant to my claim," or tell them to talk to your lawyer.

5. "Can we record your statement?"

Don’t do it. A recorded statement can be used against you. You're not required to give one to the other driver’s insurance. Always talk to a lawyer first.