You were in an accident. Now your insurance company wants to talk. What may seem like an innocent check in is actually an attempt at building a record. That record can help or hurt you, depending on what you say and how you say it.
Get Names and Take Notes
Ask for the caller’s full name, title, and the claim number. Write down the time and date. Save it.
Even if the person represents your insurance company, the relationship is more transactional than personal.
Say Only What’s Certain
Stick to facts: date, location, type of accident, and whether you saw a doctor. Don’t guess. Don’t fill in blanks. If you’re not sure, say that. Avoid talking about fault or describing injuries. This isn’t the time to explain—it’s the time to record.
Don’t Minimize Your Injuries
“I’m fine” can cost you. If you downplay how you feel now, and things get worse, your own words could limit your compensation. Don’t guess about the severity. Don’t predict recovery. Say what’s true today—and leave it at that.
Say No to Recorded Statements
You’re not legally required to give one right away. If asked, say: “I’d like to talk to someone before I do that.” Once something’s recorded, it’s permanent. Adjusters know this. That’s why they ask early.
Don’t Rush a Settlement
If they offer a check early, be suspicious. You can’t know the value of a claim before treatment is done. Early money often means leaving real money on the table. Say you’re not ready to discuss settlement and stop there.
Keep a Paper Trail
Write everything down. Every call. Every contact. Names, times, and a quick summary of what was said. Use a notebook or a document on your phone. It doesn’t need to be fancy. It just needs to be complete.
Details fade. Stories change. When push comes to shove, your own notes can be the most reliable version of what really happened.
Call Someone Who Works for You
If you’ve been injured in Minnesota and the insurance calls have started, don’t answer blind. Get clarity before you give them anything. The team at Melchert Hubert Sjodin, PLLP has helped clients assert their rights in conversations just like these. Call (952) 442-7700 to schedule a consultation.
