When something happens on the job and you are injured, you will file an injury claim with the company. Once you do this, everything you say will be analyzed and picked apart by lawyers and insurance companies. The words you speak become vital to your success with the injury claim. Everyone you speak to about the accident may be called as a witness, so choose your words wisely. The less you speak about it the better.

If there is a police report then your statement will be used as evidence later. Be sure to explain the accident in a way that benefits you. Never show doubt about what happened. This would imply that you don’t really know what happened and the company will try to put the blame on you. You can do this without lying. If a lie is revealed in court later, your credibility will be zero.

An insurance companies job is not to make sure you get the insurance money that you are due, but rather it is to save all the money they can even if you due have a right to it. They will try to take your words and twist them so that they won’t have to pay the injury claim. This is one of the major reasons you have to have a rock solid explanation of what happened.

With this in mind, make sure your head is clear after the accident. This is very important because you will be interviewed almost immediately after the accident. If there is any evidence supporting your injury claim, hold on to it. You will need all the leverage you can get.

A kind gesture or thoughtful act right after an accident can be used against you. Say you're in the office and someone walking by with an open pair of scissors accidentally cuts your hand. This person may freak out and go nuts with grief. You make the kind gesture of saying, "That's ok I'm fine, really." Or maybe you say, "Don't worry about it, it was partially my fault." You wake up the next morning and you can't move your hand. It is swollen and you can't work because your main job is typing. You submit an injury claim and the next thing you know the insurance company is quoting what you said to your frantic colleague. They will take your kind words and try to use them against you. He said "...it was partially my fault." This is how the insurance companies work.

Often times someone will be sent to you from the company to find out what happened. You will be given forms to fill out explaining what happened. If you are given anything to sign, do not sign it. Companies sometimes try to trick you into signing an injury claim waiver. This takes all responsibility off the shoulders of the company and it signs off your right to an injury claim.

Be smart and don't give the insurance companies any reason to take from you what is rightfully yours!