After a car accident, dealing with insurance adjusters can be one of the most challenging aspects of the claims process. Insurance adjusters are trained professionals whose job is to assess the details of your claim and determine how much compensation you are entitled to. Their goal, however, often involves minimizing the payout to protect the insurance company’s bottom line.
Our peers from Joseph Law Group, LLC, recommend referring any communication from an insurance adjuster (yours or the other driver’s) to your car accident attorney. They can ensure your rights are protected and your claim is fairly evaluated. However, if you find yourself in a conversation with the insurance company, they offer the following tips to help you preserve the integrity of your case:
Stay Calm And Professional
When interacting with an insurance adjuster, it’s important to remain calm and professional. Avoid expressing frustration or anger, as these emotions can be misinterpreted and potentially used against you. Remember, the adjuster is there to gather information, not to engage in a personal conflict.
Answer the adjuster’s questions truthfully and accurately. Providing false or misleading information can jeopardize your claim and even lead to allegations of fraud. Stick to the facts of the accident and your injuries, and avoid speculating about details you’re unsure of. If you don’t know the answer to a question, it’s better to admit it rather than guess.
Avoid Discussing Fault
While the adjuster may ask questions about who was at fault for the accident, it’s wise to avoid making definitive statements about liability. Fault is often determined based on a thorough investigation, including police reports, witness statements, and other evidence. Focus on describing the facts of the accident without assigning blame.
Do Not Accept A Settlement Offer Too Quickly
Insurance adjusters might offer a settlement early in the process, sometimes before you fully understand the extent of your injuries or damages. It’s important not to rush into accepting any offer. Consult with a personal injury lawyer to evaluate whether the offer is fair and adequately covers all your medical expenses, lost wages, and pain and suffering. Most car accident attorneys have experience valuing your claim, and can review the offer to ensure it covers future needs, such as treatment from injury complications, as well as your current losses.
Be Cautious With Recorded Statements
Adjusters often request recorded statements about the accident. While it’s essential to provide accurate information, be cautious about giving recorded statements immediately after the accident. If you’re unsure about the questions or how your answers might impact your claim, it’s advisable to consult with your lawyer before making any recorded statements.
Maintain detailed records of all communications with the insurance adjuster, including emails, phone calls, and letters. Note the date, time, and content of each interaction. This documentation can be valuable if there are disputes or discrepancies later in the claims process.
Secure Legal Advice When Dealing With Insurance Companies
Handling insurance adjuster questions after an accident requires careful consideration and preparation. By staying calm, providing accurate information, avoiding premature settlement acceptance, and consulting with a car accident lawyer, you can better protect your rights and work towards a fair resolution of your claim.
