If you haven’t worked on one side or the other of injury claims, you have no idea how incredibly much information the insurance company has about you. You are not going to get away with hiding anything, so don’t even try. They will find out if you lie about one little thing, and then they won’t believe anything else you say. This is true of juries also. One lie, even about a small matter, can kill your case – absolutely kill it. Have I made this simple point clear? From the instant you are injured until you have the final check in your hand, ALWAYS TELL THE TRUTH.
Your insurance company and the other party’s insurance company have access to any past injury claims you have made – auto, job, and other. They have access to any past criminal record you may have. They have databases that will tell them all about your marriages, divorces, past addresses, and may past employments. They may hire investigators to park outside your house and video your comings and goings. I have seen insurance company surveillance tapes of my clients taking out the trash, mowing the yard, washing the car, etc. The insurance companies always try to say my clients aren’t really hurt because they can perform these simple activities. The insurance company investigator may follow you around town to see if you are working when you say you’re too injured to work. Once more – ALWAYS TELL THE TRUTH.
Do be honest and forthcoming with your own insurance company. Even if it may seem embarrassing, it is better if your insurer knows all the facts. Failing to be candid with your insurer might invalidate your policy or cause a denial of coverage. This can ruin any potential claim you may have under your own insurance policy, and can give your own insurance company an excuse not to defend you against any claim the other party might try to make against you.