What not to say to insurance after an accident in Australia is important because saying the wrong thing can void your claim or increase liability. After an accident, you should not admit fault or say sorry in a way that implies liability, such as saying it was all my fault, I was speeding, I was on my phone, or I did not see them. Even if you think you were at fault, let the insurer determine fault based on facts, because other factors like other driver's speed or failure to give way may contribute. Do not say you were injured if you are not, or exaggerate injuries, as this is fraud. Do not say you were driving for Uber, Uber Eats or work purposes if your policy is private use only, unless you have declared business use, because this can void cover. Do not say you had more passengers than allowed or that an unlisted young driver was driving if your policy excludes them. Do not lie about where accident happened, time, or who was driving, insurers check police reports and GPS. Do not say you left the scene without exchanging details, as this is an offence. What you should say is factual, give date, time, location, licence details, registration, photos, weather, road conditions, and a brief factual description like I was travelling north on Smith Street at 50 km/h and other car turned across my path. Do not agree to recorded statement without understanding, and do not accept cash offer from other driver without informing insurer.
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