Always tell the truth. It's good practical advice in life, and it is critically important when dealing with a legal situation like a motor vehicle collision.
Everybody knows the story of the little boy who cried wolf. The moral of that story is that a liar will not be believed, even when he speaks the truth.
Insurance companies and insurance defense attorneys feast upon inaccurate statements made by innocent victims in wreck cases. These inaccuracies can occur in any number of ways. I see them most in medical records. Doctors are generally more concerned with treating an injury than the details of how the wreck happened. There is little that you can do about inaccuracies in medical reports other than check what the doctor puts in your medical records, but there are some things that you can do to make sure you don't accidentally get yourself in trouble.
Never exaggerate. You hear people on TV exaggerating. You hear politicians exaggerating. You hear good storytellers exaggerate. But when it comes to you and your motor vehicle claim, do not exaggerate under any circumstances. If you are dealing with an insurance adjuster who doesn't seem to care about your case, you may have an urge to exaggerate in order to get the adjuster’s attention. Don't do it. Nothing makes an insurance adjuster happier than catching someone exaggerating during a taped conversation. And it is legal for them to tape you even if they don’t tell you.
Never speculate. Sometimes people don't remember something. That's okay. It happens to everybody. What's not okay is filling in the blanks with guesses. If you speculate and you are wrong, it will almost always come back and bite you in a motor vehicle case.
Pay attention. For whatever reason, some people, when faced with very serious situations, simply fade out. I have seen normally sensible people give completely off-the-wall answers to straightforward questions just because they are not paying attention.
Just as critical as telling the truth is not talking too much. Remember, it is the insurance adjuster’s job to save the insurance company money. One of the ways they do that is by paying you as little as possible. The more they can get you to talk, the greater the chance that you will inadvertently make a mistake. If the people who love you have told you that you are chatty, please have someone else speak to the adjuster for you.
In summary, any time that you’re talking to an insurance adjuster,a healthcare provider, or anyone else about your case, remember to pay attention and tell the exact truth. Don't exaggerate, don't speculate, pay attention, and talk too much.