After a car wreck, adrenaline takes over. You’re hurt, you’re stressed, and you just want the problem to go away. Insurance companies know this. They count on you making mistakes in the first 48 hours that will devalue your claim by thousands of dollars.
At Addison Law, we see the same avoidable errors destroy valid cases. Here is how to protect yourself.
1. Apologizing at the Scene
It is human nature to say "I'm sorry" after a chaotic event, even if you weren't at fault. Don't do it. In Oklahoma, an apology can be twisted into an admission of liability. Check on the other driver, exchange information, but discuss the facts only with the police.
2. Waiting to See a Doctor
"I'll just wait and see how I feel tomorrow." This is the single biggest gift you can give the insurance company. If you wait a week to see a doctor, the adjuster will argue your injuries weren't caused by the crash. Go to the ER or Urgent Care immediately. A gap in treatment is a gap in evidence.
3. Giving a Recorded Statement
The adjuster will call you, sounding friendly and concerned. They will ask for a "quick recorded statement just to get the facts." Refuse. Their goal is to get you to minimize your injuries ("I feel okay right now") or admit partial fault before you have legal counsel. You are under no legal obligation to give a recorded statement to the other driver's insurance company.
4. Trusting the "Quick Settlement" Offer
Insurers often rush to offer a settlement within days of the accident. It might seem like immediate relief, but it is a trap. These offers rarely cover future medical bills, lost wages, or pain and suffering. Once you sign that release, you can never ask for more money—even if you need surgery six months later.
5. Posting on Social Media
Insurance investigators routinely check your Facebook, Instagram, and TikTok. That photo of you smiling at a birthday party? They will use it to argue you aren't really in pain. The Golden Rule: Stay off social media until your case is resolved.
We Don't Let Them Take Advantage of You
If you've been injured, you need an advocate who knows the insurance playbook better than they do. Don't face them alone.
Need Strategic Counsel?
Navigating complex legal landscapes requires more than just knowledge; it requires strategic foresight. Contact Addison Law Firm today.
*This article is for general information only and is not legal advice.*