You could get hurt after an auto collision or at least your vehicle will need repairs. So you want to make sure that you preserve your chances to receive damages from the insurer of the other driver. But if the police deem you to be at fault, you may lose out on your compensation.
Naturally, an accident might shake you up and make it hard for you to refrain from saying anything that could cast blame on you for the collision. U.S. News and World Report explains what to keep in mind when engaging with the driver who hit you so that you do not accidentally hurt your case.
Do not admit fault
In talking with the other driver, there are good steps to take like exchanging information and inquiring about possible injuries. Showing good manners and refraining from arguing may also help. An accident can produce tension and anger. Toning down heated emotions could help avoid a physical confrontation.
However, admitting fault is where you should draw the line. Otherwise, the other driver could testify to the police and in court that you took responsibility for the accident. Witnesses to the scene may say likewise. Avoid any statement that even sounds like you bear a share of the blame for the collision, such as offering an apology for your driving.
Refrain from discussing damages
If the other driver brings up the subject of how much the damages to each of your respective vehicles will cost, tread carefully. This may lead into the driver trying to get you to admit some responsibility. Instead, tell the driver that he or she may hear from your insurance adjuster to discuss damages. If you sense the situation may become heated, make sure you have called the police to the scene. Knowing the police will show up might help calm tensions.