What should I not tell the insurance company?
Avoid using phrases like “it was my fault,” “I'm sorry,” or “I apologize.” Don't apologize to your insurer, the other driver, or law enforcement. Even if you are simply being polite and not intentionally admitting fault, these types of words and phrases will be used against you.
Should I talk to the other insurance company after an accident UK?
Always tell your insurer about an accident straight away, even if you don't want to make a claim. The other driver could make a claim against you so it's best to let your insurer know your side of the story first.
Do insurance companies follow you around?
An insurance company can hire a private investigator to follow you if you are in public. However, legal issues can arise if the private investigator follows or spies on you in a place where you have a reasonable expectation of privacy.
Is it better to stick with the same insurance company?
Sticking with the same car insurance plan is worth only if they offer the best deal to you. The best way to find out if you should stick with your same car insurance is by comparing different car insurance plans online.
Should I talk to the opposing insurance company?
It is always best to let your insurance company handle all matters directly with the other insurance company involved in an accident claim. You are not required to discuss any details of the claim with the other insurance company. This is especially important when there are personal injury claims.
What should you not say to an insurance company?
- It was my fault. This may be common knowledge for many, but it's worth reiterating that you should never admit fault. …
- I think. …
- I'm fine. …
- Names. …
- Recorded statements. …
- Unnecessary details. …
- We don't have an attorney. …
- Yes, I accept your offer.
What happens if I don’t tell my insurance company about an accident UK?
Failure to report an accident can lead to your policy being declared void by your insurers which could result in you being uninsured in respect of vehicle damage in the event of a later accident.
Do insurance companies hire people to follow you?
While the insurance company may follow you at any time, there are certain times where it is most likely to occur. We typically see insurance companies conduct surveillance around claim-related appointments. These claim-related appointments could include IMEs or interviews with insurance representatives.
How often do insurance companies do surveillance?
Insurance companies generally consider this ample time to get a good sampling of your activities.
Can insurance companies track you?
Every car insurance company will monitor different driving behaviors to calculate your discount, but for the most part, an insurance company will track the data they need to determine what kind of driver you are.
Do insurance adjusters follow you around?
It is legal for insurance companies to follow you around in public places. They cannot tap your phone or search your home but they can take photos of you while out in public. They may be looking for evidence that your injuries are not as severe as you claim or that you are not following medical advice.
Should I stick with the same insurance company?
This discount varies from company to company. If you switch your insurance company, you will be missing out on this discount on your premium at the time of renewal. Thus, remaining with the same insurance company will fetch you good discounts over time.
What should I not tell the insurance company?
Avoid using phrases like “it was my fault,” “I'm sorry,” or “I apologize.” Don't apologize to your insurer, the other driver, or law enforcement. Even if you are simply being polite and not intentionally admitting fault, these types of words and phrases will be used against you.
Is it good to shop around insurance?
Even though you may not always find a better deal, shopping around is a good way to be sure you're not missing out on savings. According to Experian, when you get insurance quotes, credit report inquiries from certain insurance companies won't affect your credit history.