After your accident or injury, you’ll likely receive a call or visit from an insurance adjuster. What you say to him can greatly affect the outcome of the case.

What should I say when talking to my insurance adjuster?

 

A:

After you’re involved in an accident, you’ll likely receive a call or visit from an insurance adjuster immediately. The goal into speaking with you so soon is to attempt to coerce you into saying incriminating things that will work in the company’s favor.

Insurance companies practice bad faith all of the time. From canceling policyholders’ coverage after claims are filed to denying claims without even investigating, insurance companies will do whatever it takes to get out of paying their customers the settlements they deserve.

What You Should Know Before Speaking With an Adjuster

Insurance adjusters are skilled negotiators who sometimes even receive bonuses if claims are denied or the policy holders simply give up. Therefore, you must exercise extreme caution when talking to an adjuster, because everything you say will be used against you.

  • Give only the basic details. When the insurance adjuster asks you the details of the incident, only give the necessary details, such as the time and place. Never admit fault and don’t give any personal insights. The adjuster will do whatever he can to twist any extra information you volunteer into something that works against your interests.
  • Never agree to a recorded statement. The adjuster’s job is to have you admit you are healthy and free of injuries. Doing so leaves the insurance company in the clear should you seek compensation for an injury claim later down the road. And having you record the statement provides proof for them. Simply refuse if the adjuster asks, even if you don’t feel hurt at the time—some injuries show up later.
  • Treat the adjuster respectfully. You may be tempted to get angry or upset with the adjuster, but this type of treatment will only backfire and possibly make it difficult to get a fair settlement later on.

Let Us Work for You

If you’re worried about talking to the insurance adjuster…well, that’s a reasonable reaction. Insurance representatives employ a variety of tricky tactics to avoid giving you the settlement you deserve. The legal professionals of the Andrew Kim Law Firm have experience speaking with adjusters and can do the work for you, which improves your chances of getting the results you desire. Contact us today about having one of our attorneys represent you; the call is FREE and confidential.