Safe Statement Framework
Use a fact-only script focused on what you directly observed. Avoid assumptions and legal conclusions.
If injuries are evolving, state that treatment is ongoing and you will provide updates when records are available.
Insurance Tactical Guide
What to Say to Insurance After a Colorado Car Accident
The first insurance call can shape the entire claim. Keep statements factual, short, and documented in writing.
Key Steps
- Confirm basic facts only: date, location, involved parties.
- Do not speculate about fault, injuries, or speed.
- Request all follow-up in writing and keep a claim log.
Phrases That Can Hurt Claims
Avoid definitive statements like "I am fine" or "it was my fault" before full evaluation.
Small wording choices can be used later to support comparative-fault or causation defenses.
Frequently Asked Questions
Should I answer insurer questions immediately after a crash?
Answer basic factual questions, but avoid speculation and broad recorded interviews before you understand your case.
Can I update my statement later?
Yes, but initial statements can still be used in claim evaluation, so careful wording matters from the start.
Should I keep a written log of calls?
Yes. A call log with date, time, representative name, and summary is useful if disputes arise.