The playbook
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Words they use without explaining
- Deductible
- What you pay before insurance covers the rest.
- Total loss
- Repair cost exceeds a set share of the car's value, so the insurer pays out instead.
- Subrogation
- Your insurer recovering costs from the at-fault party's insurer.
The mistakes — what people get wrong
- Injuries like whiplash often surface 24–72 hours later — get checked even if you feel fine.
- Recorded statements to the other driver's insurer are optional in many places; you can decline until you've spoken to yours.
General educational information, not legal, tax, medical, or financial advice. Rules vary by country and change over time — verify with a qualified professional before acting.