How do you describe a car accident for insurance?

I got into an accident, and now I need to contact my insurance company. How do I describe my accident to them to get a favorable payout?

Answer
I’m so sorry to hear about your accident. The best way to describe a car accident for your insurance is to provide notes and pictures taken at the scene. Collect as much information as possible and file a police report.
The evidence should be able to speak for you, especially if you can’t remember exactly what happened (accidents often happen in the blink of an eye).
If you are asked to give a testimony, make sure to limit your answers to things you know. Avoid phrases like “I think,” “I’m not hurt,” “It was my fault,” or “I’m sorry”. These may seem like innocuous phrasing, but as this is a legal situation, you want to avoid incriminating words.
Filing claims and being in accidents can raise your insurance the next time it renews. If you’re worried about paying too much for your insurance, just use Jerry to find a more affordable rate. (Finding and comparing quotes is always free!)
Lauren Smith
Answered on Nov 11, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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