After a catastrophic injury, insurers often try to get statements early or push settlement discussions before the full extent of impairment is clear. In a smaller community like New Ulm, it can also be tempting to talk to others “just to explain what happened,” or to assume people will remember details the same way you do.
That’s risky.
Minnesota claim handling frequently turns on documentation and credibility. Once recorded statements are made, gaps become harder to correct. Once surveillance is gone or medical records are incomplete, proving causation and permanence becomes more difficult.
What to do instead: focus on medical care and preserve information. Then let an attorney handle the legal communication and timeline so your claim develops with the evidence that typically carries the most weight.


