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Don't utter this phrase if you're involved in a crash (... Don't utter this phrase if you're involved in a crash (Credit: shino, Flickr).
In the frantic, confusing minutes following an auto accident, it makes perfect sense for two drivers to meet and often say, "I'm so sorry." While it sounds courteous and sincere, it's something that drivers should avoid at the scene.

That's the advice of car insurance expert Natalie Dupuis of RBC Insurance in Toronto.

"That might not be the best thing to do," she tells The Globe and Mail. Such a statement could be interpreted as an admission of guilt when police and investigators determine fault for the collision. It could be the beginning of an expensive mistake – whether it comes up again in terms of setting insurance rates or as testimony in a court case.

Another common action – or in this case, inaction, that ends up costing driver's money following a crash? Failing to alert their insurance company. A lot of drivers, weary of watching their rates rise, choose to forego contacting their insurance company and pay for damage out of their own pocket. Dupuis cautions against this approach.

She says drivers can always call their insurance company for advice, and then determine whether they want to follow through with a claim. Also, there's never a guarantee the other driver will follow through on promises to pay for repairs.

"A major misconception that people have is that if they alert their insurance company of an accident, their rates will automatically rise," she tells The Globe and Mail. "If you were not at fault, your rates should not go up."

Other tips of advice in the wake of a car crash:

- Exchange information with other drivers involved.

- Obtain contact information of witnesses.

- Don't sign any documents at the scene, other than the official police report.

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    • 1 Second Ago
      • 2 Years Ago
      Our society is in the dog house if the advice is not to say that you're sorry without even making the distinction of whether it was your fault or not. In some cases it's obvious when you rear end, the traffic control device was on your side of the road, or you jumped the divider and caused a head-on collision with opposing traffic.
      • 2 Years Ago
      .If an accident is your fault, be man or woman enough to admit it,
        • 2 Years Ago
        The first few moments after being involved in a car accident neither party knows exactly who/what precipitated it... the best thing to do is say/admit to nothing... may ev en b e the fault of a third party that fled the scene. It's an accident, only if it's an on-purpose then there is a perpetrator and that person knows they were the cause.
          • 2 Years Ago
          Neither party knows who/what precipitated it if they are both clueless of their surroundings and the laws... but sure
      • 2 Years Ago
      I can honestly say that my son was involved in an accideant ( wasn't his fault) and we had the adjuster come out and take a report...ended up going thru the other persons ins co. for payment. Our rates have not been raised ( because it wasn't his fault.)
      • 2 Years Ago
      Nothing like encouraging people to be more deceitful than they already are. If you're at fault, you are at fault. It may prove to be an expensive lesson in driving safer but its still better than being a morally bankrupt liar.
      • 2 Years Ago
      did u know u cant check out on line your life insurance polices.... all banks let u ..........investment companys do.....in this world everything should be online ......why life insurance .....its a scam ...whole life vvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvv
      • 2 Years Ago
      The Moral of the story is: Do not be human, Poker FACE.
      • 2 Years Ago
      Duh--shouldn't be hard to figure that one out.
      • 2 Years Ago
      This article is pretty good, I can say with certainty that saying I'm sorry is not considered an admission of fault in any state. If this were to go to court any attorney would immediately get this thrown out of testamony as an admission against interest, in other words you can't use it as evidence of fault in the accident. I do agree though not saying this is usually the best bet.
        • 2 Years Ago
        I'm an adjuster too, 40 years, and that most likely would be admitted as a res gestae statement. Further, an admission against interest statement is often allowed as it is an exception to the hearsay rule.
      • 2 Years Ago
      This is just someone who needed a twist on writing an article. They want to make us so afraid of being human beings. It's called an accident for a reason. Crap happens. Let the insurance companies dance it out. There is nothing wrong with saying I'm sorry.
      • 2 Years Ago
      When asked how fast you were driving always say "I was going the speed limit." NEVER be a do-gooder and say "I might have been going 38" when the speed limite is 35, because the other guy's lawyer is going to counter with "oh, so you were speeding, eh."
      • 2 Years Ago
      I think an insurance company rep wrote this article! LOL!
      • 2 Years Ago
      This is bull crap anyway. I had a lady hit me. turned right into my front fender. 100% her fault and they ruled as such. My insurance still went up $60 every six months for a no-fault accident! what bull!
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