It will probably also trigger a thorough investigation into the case until all the evidence can be completely evaluated. You can be sure that mentioning the word whiplash will result in a delay of payment on your claim. There are legitimate cases of whiplash, but there are also a lot of bogus claims filed and people tend to throw the word out as a catch-all for any injury, real or fabricated. Whiplash can be associated with a diverse range of back or neck injuries that cost insurance companies a lot of money. Quite simply, you should never utter this word. Whiplash is a word that you should avoid using in discussions with an insurance company, at all costs. Insurance company employees tend to perk up their ears when they hear apologies that may be masked admissions of blame. Even if your apology is sincere it could be interpreted as an admission of guilt or blame. If you immediately begin a profuse apology, the insurance company will become suspicious, and closer scrutiny of your case may ensue. Apologetic PhrasesĪvoid unnecessary apologizing. Personal opinions and emotions can begin to jumble up facts about a case, and can result in a denial of payment. If you are interviewed and an agent asks for your opinion, it is best to decline and offer just the facts. They are looking for facts that match up consistently with the evidence supplied. Insurance companies are very used to stories that shift and change and are always suspicious of these stories. Before you can give them the facts you need to know them, so make sure you do know them. ![]() They want the facts and the facts are just what you should give them. OpinionĮveryone is entitled to an opinion, but your insurance company is not interest in yours about the circumstance of your claim. Be aware that if you misrepresent what is going on, you may end up with your insurance company unwilling to pay the costs associated with the procedure. They just dont like covering these types of practices. Not that you ever would be, but it is best to avoid terms like experimental treatment, clinical trial or investigative procedure when talking to your insurance company. Insurance companies dont like to hear about their policy holders being Guinea Pigs. ![]() If you bring mention the word flood when it is not valid you could end up reducing your insurance companys helpfulness on the claim. Consider the fact that most insurance policies dont even include flood coverage. If you get this word wrong you could end up with a fraudulent claim. If there is a rain storm and your house fills up with a couple of feet of water, this is not considered a flood, it is considered water damage. A flood is when a body of water overflows its banks. There is water damage and there is a flood. ![]() By clicking Get My Free Quotes and submitting this form, I affirm that I have read and agree to this website's Privacy Policy and Terms of Use. I also understand that my agreement to be contacted is not a condition of purchasing any property, goods or services, and that I may call to speak with someone about obtaining an quote. I further expressly consent by electronic signature to being contacted by telephone (via call and/or text) for such marketing/telemarketing purposes at the phone number I provided in this form, even if my phone number is listed on a Do Not Call Registry, and I agree that such contact may be made using an automatic telephone dialing system and/or an artificial or prerecorded voice (standard call, text message, and data rates apply). By clicking Get My Free Quotes and submitting this form, I am providing express written consent to being contacted by you, Marketing Partners, or by one or more agents or brokers of your partners for marketing purposes to discuss my interest, including offers of, at the phone number and/or email address I have provided to you in submitting this form.
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