Why Car Accident Witness Statements are Key to Your Insurance Claim

A credible witness report can make or break your car accident claim. Here’s how to talk to an independent witness after a crash.

When you’ve been injured in a car accident caused by someone else, you expect full compensation for your injuries, lost wages, pain and suffering. Usually, that compensation will come from the other driver’s insurance company.

However, there’s more to a personal injury claim than just notifying the insurance company.

You have to prove the other driver’s liability by gathering evidence. You need evidence proving the other driver did something wrong, and your injuries and property damage are the direct result of their actions.

Here you’ll learn how witness statements can help prove the other driver’s fault and support your auto accident claim.

Why Witness Statements Are Important

Auto insurance companies have a duty to defend the people they insure against accusations of blame for car accidents. While that’s a noble reason to defend against claims, the fact is insurance companies don’t make a profit by paying settlements to people like you.

So, when you file a personal injury claim for compensation, you can expect the insurance adjuster to aggressively challenge your version of what happened.

Proving the Other Driver’s Fault

To win your injury claim, you’ll have to prove the other driver was negligent, meaning they did something wrong or failed to drive responsibly, and that your injuries are a direct result of that negligence.

Witness statements can be powerful evidence the other driver was at fault for the collision that caused your injuries.

Witnesses who are not involved in the crash or connected with either driver are independent and unbiased. Unlike statements from drivers and their passengers, whose opinions are influenced by their own self-interest, independent witnesses don’t have a personal or financial interest in the outcome.

Gathering independent witness statements can make or break your case, especially if there is no other compelling proof of the other driver’s fault for the crash.

Witness evidence can be used to:

  • Prove the other driver caused the accident
  • Defend yourself against accusations of blame for the crash
  • Validate your injuries
  • Support your claims for pain and suffering

Other effective evidence in car accident claims can include the police report, photographs and video taken after the accident, and your medical records and bills.

Witness Statements Help Win Lawsuits

Taking a written or recorded statement from witnesses at the accident scene can be invaluable to the success of your claim. With strong witnesses on your side, the other driver’s insurance company is more likely to settle your car accident case out of court.

If you do end up in court, written or recorded statements are incredibly useful.

Accident witness statements can help provide:

  • Clear testimony: Your best witness may have a hard time remembering everything once they’re on the stand. Their prior written statement can be read aloud by the witness or used to help recall details.
  • Admissions of fault: When the witness states they heard the other driver take the blame for the crash, that’s compelling testimony in your favor.
  • Evidence of inconsistent testimony: If a witness testifies against you in court, unless they repeat exactly what they alleged after the crash, your attorney can use their prior written statement as evidence they’ve changed their story.

Hit and Run Car Accident Claims Require Verification

Almost every state requires motorists to carry uninsured motorist coverage. This coverage is supposed to pay for your injuries and property damage if the at-fault driver had no insurance at the time of the crash.

Even when you are making a claim to your own insurance company, you still must prove the other driver caused your damages.

Most insurance companies are reluctant to pay hit-and-run accident claims. No matter how badly your car is damaged or how seriously you’re injured, your insurance policy may require independent witness verification of the hit-and-run before they will pay.

Insurance companies often refer to this as an “arms-length third-party witness” to the accident.

How Effective Are Witness Statements?

The claims adjuster will read each witness statement you provide. To verify their credibility, the adjuster will usually contact each witness to ask for a recorded statement.

The adjuster will want to know if any of the witnesses:

  • Are related to you or the other driver
  • Knew you or the other driver before the accident
  • Have any personal or financial interest in the outcome of the claim

Although witness statements can be very helpful in your claim, the statements by themselves may not be enough to stand up in court. If your case goes to trial, each witness must show up in court to testify.

Nevertheless, a claims adjuster knows that the more witness statements you have, the stronger your case will be if it ends up in front of a jury.

Adjusters take all legitimate witness statements seriously. Do your best to gather as many as possible.

How to Get Helpful Witness Statements

Your first priority after an accident is to get medical attention for your injuries. Call 911 to report the accident and ask for help.

Always take care of your health and well-being first, before worrying about gathering evidence. Don’t do anything that may worsen your injuries, and never refuse emergency medical attention at the scene.

If you are physically able, however, you should take steps after an accident to help your claim.

A car accident victim can take advantage of the time between the collision and the police arriving. During that brief period, look for people who saw the accident and have information that may help your claim.

The investigating officer will take statements from witnesses at the scene, but often won’t make an effort to seek them out. That’s up to you.

Witnesses may not want to stay on the scene waiting while the officers take care of the injured, process the scene, and manage traffic. Give the police officer any witness information you obtain and ask to have it included in their accident report.

Eyewitnesses to car accidents may be:

  • Drivers and occupants of other cars involved in the accident
  • People who stopped to render aid
  • Adjacent business owners, employees, and customers
  • Road and utility workers
  • Passersby

Approach people who may have witnessed what happened. Identify yourself and ask if anyone saw the accident. If so, politely ask them to describe what they saw and heard.

Keep in mind that witnesses to car accidents have no legal obligation to talk to you or to stick around until the police arrive.

What Makes a Credible Witness

A credible witness is one who is reliable, honest, and trustworthy. You are better off with no witness than to use a witness statement that can be discredited.

When you speak with a potential witness, try to determine:

  • Does the witness know anyone involved in the accident?
  • Did they see the entire accident as it happened?
  • Was the witness busy with their phone, child, or anything else at the time of the accident?
  • Does the witness strike you as an honest, stable person who is believable?
  • Does the witness have adequate vision and hearing to have observed what happened?

Tips for Speaking with Witnesses

Don’t argue your side of the story. The witness may feel like you’re pushing too hard. Saying things like, “That guy is going to pay!” or “You saw him run that light, didn’t you?” and similar leading statements can alienate the witness. The witness won’t cooperate if your behavior is alarming.

If you find a cooperative witness, ask them to write down what they saw and heard, in as much detail as possible. If they aren’t comfortable writing, ask permission to write down what they say and have them sign and date the statement you wrote for them. Have the witness sign and date the bottom of each page.

If the witness doesn’t want to write a statement, you can ask if they’ll let you record it with your phone (preferably by video). Be sure the person gives their name and contact information, and clearly describes what they saw.

Ask for the name, phone number, home address, and e-mail address of any potential witness. If someone is too rushed to give a statement on the spot, you or your personal injury attorney can contact them later to take their statement.

Take advantage of this sample Witness Statement Request Letter and Form. Send it with a self-addressed, stamped envelope to make it easy for the witness to return their written statement.

Expanding Your Search for Witnesses

Once the scene of the accident is cleared, look at homes or businesses in view of the scene. It’s possible someone was at home or in a store when they saw the collision through a window.

Walk into stores and ask if any of the employees saw the crash. Then look for homes in the line of sight of the accident. The more people you speak with, the greater your chances of finding one who can confirm the other driver’s fault.

Admissions Against Interest

The at-fault driver is certainly not an independent witness but may end up helping your claim by making excited statements like, “I’m so sorry, that was my fault!” or, “I only looked down for a minute, I didn’t see you!”

From a legal standpoint, judges and juries assume a person won’t make false statements or “admissions” against their own interest, so remarks made by the other driver can carry a lot of weight in your claim.

Of course, admissions against interest can work both ways, so be careful not to say anything after a motor vehicle accident that can be used against you.

Passengers in the other car may unintentionally help your claim. If the driver’s wife is yelling at him “I told you to slow down!” be sure you write that information down. Keeping detailed notes about the accident may help your claim considerably.

Security Cameras Make Great Witnesses

“Silent” witness testimony can be found in store surveillance video and security camera footage. Many stores, gas stations, and businesses have outside video cameras that can record up to several hundred feet away from the source.

If your car accident occurred adjacent to one of these stores, you might have one of the purest forms of witness testimony. Video captures the truth.

Stop in and ask to speak with the store’s manager. See if you can view the video recorded at the time the crash occurred. Store policy could prevent the manager from allowing you to see it, but it doesn’t hurt to ask.

If necessary, your personal injury lawyer can file a subpoena to get a copy of the relevant video footage.

Most ATMs are fitted with two cameras, one for close-ups, and another to record the surrounding environment. If your accident occurred in a bank parking lot or near a business with an ATM outside, the incident might have been recorded.

If your accident happened at an intersection, especially if the at-fault driver ran a red light, you may be able to ask for copies of film captured by municipal traffic cameras.

Charles R. Gueli, Esq. is a personal injury attorney with over 20 years of legal experience. He’s admitted to the NY State Bar, and been named a Super Lawyer for the NY Metro area, an exclusive honor awarded to the top five percent of attorneys. Charles has worked extensively in the areas of auto accidents,... Read More >>