After a car accident or personal injury, you will likely receive a call from an insurance adjuster. They may sound friendly and concerned about your wellbeing. They may tell you they just want to help you get this resolved quickly.
Do not be fooled.
Insurance adjusters work for the insurance company, not for you. Their job is to minimize the amount the company pays out on claims. Understanding their tactics—and how to respond—can make a significant difference in the compensation you ultimately receive.
Understand Who You Are Dealing With
Insurance adjusters are trained professionals. They handle hundreds of claims and know exactly what questions to ask, what phrases to listen for, and how to get you to say things that hurt your case. They are not your advocate.
Do Not Give a Recorded Statement
One of the first things an adjuster may request is a recorded statement about the accident. You are under no legal obligation to provide one, and you should politely decline. Recorded statements are used to find inconsistencies in your account or capture admissions that can be used against you later.
Be Careful What You Say
Even in casual conversation, adjusters are listening for anything they can use. If you say you are feeling "fine" or "okay," they may argue you were not seriously injured. Keep your conversations brief and factual.
Do Not Accept the First Offer
Insurance companies often make quick, lowball settlement offers hoping you will accept before you understand the full extent of your injuries and damages. Once you accept a settlement, you cannot go back and ask for more.
Do Not Sign Anything Without Legal Review
Adjusters may ask you to sign documents, including medical authorizations that give them access to your entire medical history. Do not sign any documents without having an attorney review them first.
Let an Attorney Handle Negotiations
The single best thing you can do when dealing with insurance companies is to hire a personal injury attorney. Insurance companies take claims more seriously when an attorney is involved.
Contact us for a free consultation. We will handle the negotiations and fight to get you the compensation you deserve.