After a car accident, insurance adjusters enter the scene — ready to help. But they work for the insurance company, not you. Their goal is to settle your claim quickly and for the least amount possible. This creates a tricky situation where their interests don’t align with yours.
Knowing this, it’s vital to approach conversations with adjusters strategically. By understanding their tactics and arming yourself with the right information, you can protect your interests and ensure you receive the compensation you deserve.
Let’s figure out some tips for navigating these interactions.
Tips for Communicating with Adjusters
Here are the tips for communicating with adjusters.
Be Polite but Firm
When speaking with an insurance adjuster regarding your car accident claim, maintain a professional and respectful tone. Remember, they’re doing their job, and a positive rapport can go a long way. However, politeness doesn’t mean being a pushover. Be firm in asserting your rights and advocating for your needs.
Avoid getting angry or emotional, even if you’re frustrated. Stick to the facts, express yourself clearly, and don’t be afraid to ask questions if you don’t understand something. If the adjuster tries to pressure you or dismiss your concerns, politely but firmly stand your ground.
Don’t Volunteer Information
When speaking with an insurance adjuster, be mindful of what you say. While you should be cooperative and answer their questions truthfully, avoid volunteering extra information or speculating about the accident.
Insurance adjusters are trained to gather information that could potentially be used against you. They can ask harmless questions or engage in casual conversation in hopes of getting you to reveal something that could weaken your claim. Be cautious about discussing your injuries, your activities before the accident, or any pre-existing conditions.
Stick to the facts and provide only the necessary information. If you’re unsure about a question or feel uncomfortable answering, it’s perfectly fine to say, “I’m not sure” or “I’d prefer to consult with my attorney before answering that.”
Be Cautious About Recorded Statements
Corey Schafer, SEO Specialist at Florin|Roebig says, “Insurance adjusters often request a recorded statement from you early in the claims process. While they frame it as a routine procedure, these statements can be tricky. Anything you say can be used against you later on, even if it seems harmless or insignificant.
But avoid giving a recorded statement without first consulting with your attorney. They can advise you on what to say, what to avoid, and how to protect your rights during the recording. If you’ve already given a statement, don’t worry — auto injury attorney can still help you handle the situation and mitigate any potential damage.”
Don’t Accept the First Offer
Insurance companies often try to settle quickly by extending an initial offer. While it is tempting to accept, especially if you’re facing financial pressures, resist the urge to settle prematurely.
This first offer is rarely the best they can do. It’s crucial to understand the full extent of your damages, including current and future medical expenses, lost wages, and the impact on your quality of life, before agreeing to any settlement.
Plus, consult with your attorney to get a realistic assessment of your claim’s value. They can help you determine if the offer is fair or if you should continue negotiating for a higher amount.
Get Everything in Writing
When dealing with insurance adjusters, it’s crucial to have a paper trail documenting all interactions and agreements. Verbal agreements can easily be misinterpreted or forgotten, which lead to disputes later on. Insist on receiving written confirmation of any offers, settlements, or important details discussed during your conversations with the adjuster.
This includes.
- Settlement offers and their terms.
- Agreements on coverage or liability.
- Deadlines for submitting documents or information.
- Any changes to your policy or claim status.
Request that the adjuster send you a follow-up email or letter summarizing the key points of your conversation. This not only serves as a record but also allows you to review the details and ensure accuracy. If you disagree with anything in the written communication, address it promptly and request corrections.
Keep Detailed Records
In the aftermath of an accident, maintaining organized records of every interaction with the insurance company is essential. It’s easy for details to slip through the cracks or for misunderstandings to arise, especially when dealing with complex claims.
Create a dedicated file or folder for your accident, and keep track of the following.
- Contact Information: Names, phone numbers, and email addresses of everyone you interact with, from adjusters and supervisors to medical providers and witnesses.
- Correspondence: Keep copies of all letters, emails, and other written communications with the insurance company.
- Phone Calls: Note the date, time, and main points discussed during each phone call with an adjuster.
- Offers and Counteroffers: Document any settlement offers made by the insurance company, as well as your counteroffers and any supporting documentation.
- Medical Bills and Expenses: Keep copies of all medical bills, receipts for medications, and other expenses related to your injuries.
- Lost Wages Documentation: If you missed work due to your injuries, gather pay stubs or other proof of lost income.
Don’t Sign Any Releases Without Legal Advice
Throughout the claims process, asked to sign various documents, including medical releases or settlement agreements. It’s crucial to understand the implications of these documents before signing anything.
- Medical Releases: These authorize the insurance company to access your medical records. While some level of access may be necessary for them to evaluate your claim, be cautious about signing a blanket release that gives them unrestricted access to your entire medical history. Consult with your attorney to ensure the release is limited in scope and protects your privacy.
- Settlement Agreements: These finalize the terms of your settlement and typically include a release of liability, preventing you from pursuing further claims against the at-fault party or their insurance company. Once signed, these agreements are generally binding, so it’s crucial to review them carefully with your attorney before agreeing to anything.
To Sum it Up
Dealing with insurance adjusters after a car accident can be tricky, but you have rights. By understanding their goals, being firm but polite, and protecting yourself, you can handle the claims process and get the compensation you deserve. Don’t be afraid to ask for help from a car accident lawyer if you feel confused or unsure.
