How To Provide a Statement To Your Insurance Company After an Accident

Dealing with your insurance company after a serious accident can seem impossible. At Kisling, Nestico & Redick, our car accident attorneys understand what insurance companies are looking for. Call a skilled Ohio personal injury lawyer at Kisling, Nestico & Redick right away.


After a car accident, the insurance representative is one of the most important people you will talk to. What you say to your insurance company will determine how much of your vehicle repair you will be forced to pay for. This makes knowing what to say when providing statements to insurance companies a necessity. Additionally, it’s important to keep in mind that insurance companies want to settle for as little money as possible and will use anything they can against you and your claim.

Dealing with your insurance company can seem like a borderline impossible task. Without relevant experience, car accident claims can be complicated to handle. At Kisling, Nestico & Redick, our Ohio car accident attorneys understand what insurance companies are looking for. We can handle the complicated negotiations so you can concentrate on getting your life back.

Schedule a free, initial consultation with us by calling 1-800-HURT-NOW today.

What To Tell Your Insurance After an Accident

Your insurance company will require some information as part of your claim to make sure you receive the compensation you’re entitled to. While no two accidents are the same, here are some of the basics you will need to provide – including the facts of what occurred, any damage sustained, and who was involved:

The Facts

When relating the facts of a crash to your insurance company, be as concise as possible. Do not speculate about the extent of your injuries or whose fault the accident was. You should only provide the date, time, and conditions leading up to the crash. Try to keep your account as basic as possible.


As with the facts, keep your account of damage simple. If you have pictures of your car or can acquire some, offer these instead in addition to describing the damage. Again, do not estimate how much damage was caused, or speculate as to whose fault the damages are. You will also need to report any injuries sustained.

The Identity of Witnesses

If anyone witnessed your accident, the insurance company would need their name and contact information. An onlooker may be able to provide information you were unable to see, and they may be less biased than the people involved in the crash.

The People Involved

If your accident was with another driver, you would need to get: their full name and phone number, their driver’s license and license plate numbers, the contact information of their insurance company, names and contact information of any passengers, and basic information about their vehicle, such as the model and year.

Some drivers use cars that are not theirs or are registered in someone else’s name. You should also take note of this and make sure the insurance company knows the ownership of all vehicles involved in your accident.

What to Tell the Other Party’s Insurance After an Accident

When speaking with a representative for another party’s insurance company, there will most likely be dozens of thoughts going through your head. To avoid issues with your insurer, here are a couple tips to keep in mind when speaking with someone else’s insurance agent:

Stay Calm

While it is entirely understandable to be angry or agitated in the aftermath of a car accident, you want the insurance company to help you. Remember to stay calm and polite when discussing the accident.

Know Who You’re Talking To

Before you discuss the accident, make sure you get some identifying information from the insurance agent. This includes their name and telephone number.

Limit What You Say

You are under no obligation to discuss your employment, your income, or your timeline beyond your accident with the insurance agent. The only information you must provide them with is your name, address, and telephone number. Also, limit the amount of detail you give regarding the accident itself. You should politely refuse to provide anything but the most basic information about the accident and injuries.

Set Your Boundaries

Many insurance agents will pressure you to settle immediately. They may want you to settle before you know how severely you are injured, or simply before you have the opportunity to find out how much you’re entitled to. You should avoid giving into to these settlement requests before you know the full extent of your claim. Additionally, they may ask you to provide a recorded statement. You should refuse to do this since you will have the opportunity to give a written statement later.

An Ohio Car Accident Attorney Can Help

If the process of providing statements to insurance companies seems overwhelming, a knowledgeable car accident lawyer can help. The attorneys at Kisling, Nestico & Redick have the understanding to make a stressful situation more manageable and can help you pursue the compensation you may be entitled to.

Contact us today at 1-800-HURT-NOW today for a free case assessment.