What should you say in an insurance statement?

Asked by: Retta Carroll  |  Last update: October 6, 2025
Score: 4.9/5 (52 votes)

Stick to what you know for sure and be clear and concise in your answers. If you do not know the answer to a question, say so, rather than guessing or making assumptions. “I can't be sure, but I'll bet the other driver was on the phone” is classic speculation that is best left out of a statement.

What are red flags in insurance claims?

No witnesses to the alleged injury-producing incident. Insufficient detail was provided surrounding the injury-producing incident. Alleged injury seems inconceivable considering the work which the claimant performs. Injury is not visible (e.g., soft tissue injury)

Why is my insurance company asking for a statement?

The Insurance Company's Agenda

While the adjuster may present the request as a routine part of the process, it serves a strategic purpose: to collect evidence that could limit or deny your fair compensation. Even seemingly friendly interactions are designed to extract statements that could later be used against you.

What should you not say when making an insurance claim?

Don't discuss the specifics of the accident with other drivers, witnesses or passengers. Don't make any oral or written statements as to responsibility or blame. Don't tell others involved in the accident how much liability insurance you carry.

What should I not tell my insurance company?

The insurance adjuster doesn't need to hear your entire life story. Sharing personal anecdotes or irrelevant experiences might even hurt your claim. Stick to the facts and avoid extra details about your family, job history, prior injuries, or unrelated accidents.

What to do When an Insurance Company Denies Your Claim

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What do insurance companies fear the most?

It's simple: Insurance companies' legal teams hate having to go before juries. Naturally, it's up to juries to apply the law in a fair and even-handed manner. However, it never helps insurance companies to be seen as the villains who are trying to get one over on people in genuine need.

What not to say when filing a claim?

Some key phrases to avoid saying to an insurance adjuster include:
  1. “I'm sorry.”
  2. “It was all/partly my fault.”
  3. “I did not see the other person/driver.”

How to give an insurance statement?

Table of Contents
  1. Proving Accident Details.
  2. Avoid Speculation in Your Recorded Statement.
  3. Always Be Truthful.
  4. The Issue of Fault is Paramount.
  5. Be Polite.
  6. Don't Agree to Anything.
  7. Get a Copy of Your Statement.

What are the 3 most common mistakes on a claim that will cause denials?

Here, we discuss the first five most common medical coding and billing mistakes that cause claim denials so you can avoid them in your business:
  • Claim is not specific enough. ...
  • Claim is missing information. ...
  • Claim not filed on time (aka: Timely Filing)

How to take a good recorded statement?

Here we go through six steps and best practices to take the most useful recorded statement possible.
  1. 1 - Preparing for the Recorded Statement. ...
  2. 2 - Building Rapport. ...
  3. 3 - Crafting Effective Questions. ...
  4. 4 - Active Listening and Documentation. ...
  5. 5 - Identifying Inconsistencies. ...
  6. 6 - Overcoming Common Challenges.

What questions are asked in a recorded statement for insurance?

Questions Insurance Adjusters Commonly Ask in Recorded Statements
  • What is your full name?
  • Are you aware that this interview is being recorded?
  • Do I have your permission to record your statement?
  • Can I share the information we discuss with another adjuster?
  • What is your address, telephone number, and date of birth?

What is an insurance statement called?

Every policy has a written Evidence of Coverage (EOC). The EOC is your guide to what is covered and what is excluded, how much you will pay depending on the circumstances, what your cost sharing will be, and other information about using your coverage.

Can insurance companies see your bank statements?

Yes. A federal law, the Fair Credit Reporting Act (FCRA), states insurance companies have a “permissible purpose” to look at your credit information without your permission. Insurance companies must also comply with state insurance laws when using credit information in the underwriting and rating process.

What is a red flag in financial statements?

A red flag is a warning or indicator, suggesting that there is a potential problem or threat with a company's stock, financial statements, or news reports.

Why is your insurance higher if you have a red car?

The color of your car doesn't affect your insurance rate. Instead, your insurance company uses other information, like your car's age, location, usage, and your driving record, to help determine insurance rates. Learn more about the factors that impact auto insurance pricing.

What are red flags for medical conditions?

Red-flag symptoms are warning signs that indicate a more serious underlying pathology in a patient. The term 'red flag' originated in the 1980s and related to back pain​[1]​. However, the term is now used to encompass signs and symptoms from all body systems that are suggestive of a possible serious illness or disease.

On what grounds might a claim be denied?

Incorrect or duplicate claims, lack of medical necessity or supporting documentation, and claims filed after the required timeframe are common reasons for denials. Experimental, investigational, or non-covered services are also likely to be denied.

What is the CO 50 denial code?

CO 50, the sixth most frequent reason for Medicare claim denials, is defined as: “non-covered services because this is not deemed a 'medical necessity' by the payer.” When this denial is received, it means Medicare does not consider the item that was billed as medically necessary for the patient.

Who denies insurance claims?

Insurance companies deny claims for many reasons, such as insufficient evidence, missed deadlines, or policy exclusions. If your insurance company denied your claim, you can file an appeal, agree to mediation or arbitration, or take the insurance company to court for bad faith.

What is the first thing you should do in a car accident?

A. STOP Immediately and move only if it is safe to do so.
  • Call 911 if there are injuries.
  • Call the police. ...
  • Obtain names, addresses, telephone numbers, and driver's license numbers from all drivers.
  • Obtain license plate(s) and vehicle identification numbers.

How to answer insurance claim questions?

Focus on the facts without adding opinions or assumptions. Describe what happened during the accident clearly and avoid discussing fault or other details. Never guess or estimate. If you don't know the answer to a question, admit that you don't know and move on.

What not to say in a recorded statement?

Don't Discuss the Accident and Your Injuries

You may tell them the basic facts, like where, when, what type of accident, the vehicles involved and the identity of any witnesses. Politely refuse to discuss anything further.

What should a claim statement include?

A claim must be arguable but stated as a fact. It must be debatable with inquiry and evidence; it is not a personal opinion or feeling. A claim defines your writing's goals, direction, and scope. A good claim is specific and asserts a focused argument.

What should you not do when making an insurance claim?

While temporary repairs are a good idea, don't make permanent repairs. An insurance company may deny a claim if you make permanent repairs before the damage is inspected. If possible, determine what it will cost to repair your property before you meet with the claims adjuster.