6 Things to Avoid When You’re Contacted by an Insurance Agent After an Accident in Colorado Springs
After a car accident or other personal injury in Colorado Springs, one of the first calls you may receive could be from an insurance adjuster. How you respond to that insurance agent after an accident can have a serious impact on your future, and the compensation you recover.
At The Bussey Law Firm, P.C., we’ve seen how insurance companies work to deny claims and reduce settlements for accident victims. To protect your best interests, here are six things to avoid when speaking with an insurance agent, and what you should do instead.
Don’t Admit Fault
One of the biggest insurance claim mistakes is casually admitting to fault or apologizing after an accident. Insurance adjusters are trained to look for any statement they can use to shift blame and reduce their company’s financial responsibility.
Even saying something like “I didn’t see the other car” or “I should’ve slowed down” can be interpreted as an admission of liability — even if the other party was more at fault.
What to do instead: Allow your personal injury lawyer to handle all communications with the insurance agent.
Don’t Provide a Recorded Statement Without Legal Advice
It’s common for insurance companies to ask for a recorded statement shortly after an accident. They may claim it’s “just part of the process”, but it’s actually a tactic designed to gather evidence that can later be used to reduce or deny your claim.
What to do instead: Politely decline to provide a recorded statement until you’ve spoken to a Colorado Springs personal injury lawyer. You have the right to consult legal counsel before giving any formal account.
Don’t Downplay Your Injuries
After an accident, many people instinctively say things like “I’m fine” or “It’s just a minor ache.” These well-intentioned reassurances can be used by insurance companies to argue that your injuries aren’t serious. In fact, many serious injuries such as including whiplash, concussions, or internal trauma don’t show immediate symptoms.
What to do instead: If asked about your injuries, say you’re still being evaluated or that you’ll follow up once you’ve completed medical treatment. Don’t guess or minimize the effects of the accident.
Don’t Accept a Quick Settlement
Insurance companies often try to resolve cases quickly by offering low-ball settlements. This is especially common in the days immediately following the accident, before you’ve had time to see the full medical and financial impact.
While the offer might seem appealing, once you accept, you typically waive your right to any additional compensation, even if your injuries worsen.
What to do instead: Never accept a settlement without reviewing it with an experienced Colorado personal injury attorney. A fair offer should reflect the full scope of your losses, including future medical care, lost income, and pain and suffering.
Don’t Give Them Unlimited Access to Your Medical Records
It’s common for insurers to request medical records, but giving them unrestricted access to your full medical history can be a mistake. Insurance companies may comb through your past looking for unrelated conditions or prior injuries they can use to argue that your current pain wasn’t caused by the accident.
What to do instead: Work with an attorney who can provide only the records relevant to your claim and ensure your private health history remains protected.
Don’t Assume the Insurance Adjuster Is on Your Side
Insurance adjusters are trained to sound helpful, empathetic, and friendly, but their ultimate goal is to settle your claim for as little money as possible. They work for the insurance company, not for you.
In many cases, their job performance is tied to how much they save the company. That’s why dealing with adjusters professional legal assistance can put you at a serious disadvantage.
What to do instead: Be polite, but always have your attorney review any offers, statements, or documents before signing or responding.
Why It’s Risky to Talk to Insurance Companies Without a Lawyer
The days and weeks following an accident are filled with stress, confusion, and vulnerability, and insurance companies know that. That’s why adjusters reach out quickly, before you’ve had a chance to fully assess your situation.
Whether it’s a car crash, pedestrian accident, motorcycle collision, or slip and fall, post-accident conversations with insurers carry real legal weight. Saying the wrong can jeopardize your ability to receive full personal injury compensation.
When you work with The Bussey Law Firm, P.C., we take over communication with insurers so you don’t have to. We handle the paperwork, the phone calls, and the negotiations. That way, you can focus on healing.
Protecting Injury Claims Starts With the Right Legal Advice
Hiring a Colorado Springs personal injury attorney is not about being aggressive or confrontational. It’s about protecting yourself from a system designed to limit your compensation. Our legal team knows how Colorado Springs insurers operate, what tactics they use, and how to counter them effectively.
We help clients:
- Understand their rights after an accident
- Document injuries and gather evidence
- Navigate complex insurance rules and deadlines
- Avoid the most common insurance claim mistakes
- Fight for fair settlements or take cases to trial when needed
We’ve represented injury victims across El Paso County for decades, and we take pride in our thorough, client-focused approach.
Reasons to Choose the Us
You don’t need to be facing a major lawsuit or catastrophic injury to benefit from legal guidance. Early intervention helps protect your case and future.
The Bussey Law Firm, P.C. has received Martindale-Hubbell Gold Client Champion Award, and we’ve won millions of dollars won for personal injury clients
Expertise.com rates Tim Bussey one of the best Colorado Springs attorneys in six different personal injury categories:
- Personal Injury Lawyers
- Motorcycle Accident Lawyers
- Car Accident Lawyers
- Truck Accident Lawyers
- Slip and Fall Lawyers
- Wrongful Death Lawyers
Speak With a Trusted Personal Injury Lawyer in Colorado Springs
You don’t have to deal with post-accident insurance communication alone. If you’ve been injured in Colorado Springs, let us protect your rights from the start. We’ll answer your questions, review your case, and make sure the insurance company treats you with respect.
Call The Bussey Law Firm, P.C. at (719) 475-2555 to schedule your free consultation today.
