Avoid the Dangers of Talking to the Insurance Adjuster on Your Own After an Auto Accident
If a negligent driver caused you to suffer injuries in a car accident, you should expect a call from his insurance adjuster as soon as a few days after it occurred. You may even still be in the hospital when you receive your first call. While you may have no choice but to talk to him, you want to limit your communications with the insurance adjuster to avoid pitfalls that could result in you weakening your claim for compensation.
How to Deal With the Negligent Driver’s Insurance Company
While the insurance adjuster may sound friendly and concerned about your health when he calls, you need to remember that he works for the insurance company and is looking out for their interests, not yours. His duty is to investigate the claim and look for ways to deny or reduce your claim. When you talk to him, he will be watching for things you say that he can use for this purpose. Here are tips on how to handle communications with an insurance adjuster:
Be polite. You should always be courteous when talking to the adjuster because he deserves the courtesy, and you will make a better impression on him. Being argumentative will not help you receive what you deserve in settlement.
Get contact information. Obtain contact information from the insurance adjuster, such as the company he works for and his telephone number, email address, and claims number.
Give limited details. You should only give very limited information regarding the accident to the adjuster, such as its date, time, place, and witnesses. You do not want to give any detailed statement when you are hurt, do not know all the facts due to your injuries, and are not represented by an attorney.
Do not discuss your medical condition. You really do not know what your medical condition is in the days following your crash. Avoid discussing your injuries as you cannot accurately say how injured you are or the treatments you could need.
Do not agree to a recorded statement. A tape-recorded question-and-answer session with the adjuster can be transcribed into a written statement and used in court hearings. You are not required to give a recorded statement and doing so could result in you making statements that could hurt your case.
Do not sign any forms or documents. You never want to sign a blanket medical authorization, settlement agreement, or other documents without first having an attorney review them for you. Otherwise you risk waiving important legal rights—including your right to sue the driver.
Do not settle too early. You do not want to agree to settle your claim too early before you know the seriousness of your injuries, your future prognosis, and how long you will be off work. You should obtain the advice of an experienced car accident attorney before agreeing to a settlement to be certain you are receiving what you are entitled to.
Let Us Talk to the Insurance Adjuster for You
Your best strategy in dealing with the negligent driver’s insurance adjuster is to leave this job to your attorney to avoid making mistakes that hurt your case. Our experienced car accident attorneys will thoroughly investigate your accident, file your claim, and negotiate your settlement for you so that you receive the compensation you deserve. To learn more about how we will aggressively fight for your rights, call our office to schedule a free consultation today.