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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
      • 3 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!
      • 3 Years Ago
      Three other words not to say..."He's dead, Jim"
      • 3 Years Ago
      In Iowa both "I'm sorry" and "It was my fault" are hearsay statements. Only the "fault" statement is admissible at trial as a hearsay exception because it is a statement against your own interest. Our law correctly recognizes that many people will say sorry without worrying about who may be to blame. Other "admissions" such as "the sun was in my eyes" or "I was late to work," etc. will also be allowed into evidence. I suspect most other states have similar evidentiary rules that are designed to make the process fair for all parties involved.
      • 3 Years Ago
      hope you never have to go after allstate. they will drag you along and attempt to make it look like it was your fault. it took 2 years to settle with them.
      • 3 Years Ago
      only in America could an apology get you sued -_-
      • 3 Years Ago
      Hey, stay the "F" off the cell phone and you'd stay the "F" out of my car!........
      • 3 Years Ago
      Not to worry. I live in NYC. The first thing that anybody....make that EVERYBODY.....involved in an accident in New York says is, "Yo, a--hole, what are you, a moron or something? What the hell were you thinking?" Nobody EVER admits it was their fault no matter how much it actually WAS their fault.
      • 3 Years Ago
      Ohhhhh...those three words. I was thinking more like, 'You fu**ing Azzhole!'
      • 3 Years Ago
      Yes if not your fault the rates shouldnt rise but the insurance companies in most cases consider it an incident and if you have a few of them even if you arent at fault they will raise rates or even cancel the policy. Even a cracked windshield is considered an incident and though it wont raise your rate it does count against you if there are other claims. All businesses are out to make money and that is fine but insurance companies dont want to pay any claim if they can avoid it.
      • 3 Years Ago
      Your rates should not go up even if you have an accident! That is the reason you purchased insurance! You have been paying these enormous rates for months even years without an accident and if you have one, your rates go up? Insurance is the biggest scam perpetrated on us.
        • 3 Years Ago
        If its a scam, then simply don't drive. Driving is not a right, its a privilege.
      • 3 Years Ago
      I think an insurance company rep wrote this article! LOL!
      • 3 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."
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