How to Avoid Saying the Wrong Thing When Filing an Insurance Claim

In this article, I’ll share my insider knowledge to help you steer clear of potential pitfalls when filing an insurance claim. Whether you’re a seasoned policyholder or new to the insurance game, these insights will empower you to communicate effectively and protect your interests.

Key Takeaways

  • Understand Your Policy: Know what your insurance covers and the specifics of your policy to avoid making inaccurate statements.
  • Be Factual: Provide clear, concise, and factual information without offering unnecessary details or speculation.
  • Avoid Admitting Fault: Even if you think you’re at fault, let the insurance investigators determine liability.
  • Document Everything: Keep a detailed record of all communications and documentation related to your claim.
  • Seek Advice: Consult with a professional if you’re unsure about any aspect of your claim or how to articulate your situation.

Step-by-Step Guide: Navigating Insurance Communication

Step 1: Understand Your Policy Inside and Out

Before you even initiate a claim, it’s crucial to have a deep understanding of your policy. What does it cover? What are the exclusions? Misunderstanding your coverage can lead to misstatements and confusion during the claims process.

Tip: Regularly review your policy and, if something is unclear, ask your insurer for clarification.

Step 2: Stick to the Facts

When the time comes to file a claim, present only the facts. Avoid embellishing or omitting details, as this can complicate the process and potentially lead to denials or disputes.

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Tip: Before making a claim, jot down all relevant facts and events related to the incident to ensure clarity and completeness.

Step 3: Never Admit Fault

It’s human nature to want to apologize or accept responsibility, but in the context of an insurance claim, this can be detrimental. Let the investigation process determine fault.

Tip: If you’re tempted to say something that could be construed as an admission of fault, pause and refocus on describing the event factually.

Step 4: Document Everything

From the initial incident to every interaction with your insurer, keep a comprehensive record. This documentation can be invaluable if there are disputes or misunderstandings.

Tip: Use a journal or digital document to track conversations, meetings, and updates related to your claim.

Step 5: Be Mindful of Timelines

Insurance claims are bound by specific timelines. Promptly reporting incidents and responding to insurer inquiries can help avoid complications or delays in your claim.

Tip: Set reminders for important deadlines related to your claim to ensure you’re always one step ahead.

Step 6: Seek Professional Advice

If at any point you’re unsure about how to proceed or what to say, don’t hesitate to seek advice from a legal or insurance professional.

Tip: Having an expert review your communications can provide an extra layer of security and peace of mind.

Personal Insights and Real-Life Scenarios

Throughout my career, I’ve witnessed numerous instances where a simple misstatement had significant repercussions. For example, a client once casually mentioned that they “probably should have seen the other car coming” during a claim process. This offhand remark was used against them, complicating their claim significantly.


Filing an insurance claim doesn’t have to be a daunting process. By understanding your policy, sticking to the facts, and communicating wisely, you can navigate the claims process with confidence. Remember, every word counts, so choose them carefully and strategically.

Last updated on March 25, 2024 / By