For many consumers, especially when they're filing a claim, dealing with insurers can be a stressful, high-stakes experience.

What if I give them reason to suspect I was at fault?

What if I tell them too much about a pre-existing medical condition?

What if I accept too low of an offer without negotiating?

It's not fun, for anyone. With that in mind, Insure.com has published a handy list of 12 words never to use when calling your insurance carrier.

“When you file a claim with your insurance company for a car accident or home damage, think before you speak,” the article reads. “Saying the wrong words during that first phone call can turn what should be a quick, painless settlement into a prolonged nightmare. Insurance adjusters zero in on certain 'trigger' words that indicate you might not have a legitimate claim — or don't know what you're talking about.”

First of all, no one wants to hear that you're sorry.

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