In This Article
'I'm Sorry' and Other Admissions
Apologizing at the scene or to an adjuster feels polite, but it can be treated as an admission of fault. In New Hampshire's 51% comparative negligence system, shifting even a slice of fault onto you reduces — or eliminates — your recovery. Express concern for others' wellbeing without taking blame.
'I'm Fine' and Understating Injuries
Telling anyone you feel fine before delayed symptoms appear gives the insurer a quote to argue your injuries were minor or unrelated. Until you've been evaluated and know the full picture, avoid characterizing your condition.
Guessing and Speculating
Don't estimate speeds, distances, or who was at fault if you're not certain. A guess that later proves wrong can be used to attack your credibility. Stick to what you directly observed and know.
Recorded Statements and Broad Releases
You're generally not required to give the other driver's insurer a recorded statement, and you can decline broad medical authorizations that let them dig through unrelated history. When unsure, route communication through an attorney.
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