Some words are red flags to insurers and using them could mean that your claim might be delayed or even denied. 1. "I Think ..." Never begin a statement regarding a claim with these words. If you aren't sure, don't guess. What you say could cause your claim to be delayed or denied, says attorney Vedica Puri. And if you're wrong -- say, you report driving at 30 miles per hour before an accident but police later prove you were going 50 -- it could hurt your credibility. - Alexander13