If you need to file an insurance claim, you will need to talk to an insurance adjuster. Here, we share advice on how to handle these important communications.

What You Need to Know About Dealing With an Adjuster When Filing an Insurance Claim

Soon after you suffer an injury in a car, slip and fall, or other personal injury accident, you will need to speak to a claims adjuster about your claim. Even if you are dealing with an adjuster from your own insurance company, you cannot assume that the adjuster will treat you fairly in negotiating your settlement. You need to be careful about what you say to not inadvertently hurt your claim. Here, we discuss what you need to know about dealing with an insurance adjuster.

What Is the Role of an Insurance Adjuster?

An insurance adjuster works for the insurance company and his primary loyalties are to his employer. His job is to investigate the facts surrounding the incident, decide the insurance company’s liability, determine the value of a claim, and negotiate a settlement. It is part of his job to look for areas of dispute in a claim and raise them when appropriate to deny or reduce a person’s claim. You do not want to give him ammunition to do this by what you say to him.

Tips on Handling Communications With an Insurance Adjuster

Some insurance adjusters handle their claims in a professional manner and try to fairly settle claims with their customers and accident victims. However, other adjusters are difficult to deal with and will look for ways to deny, delay, or reduce your claim. You need to remember that the adjuster may be professional in his approach, but he is not there to look out for your best interests. Some of the tactics that an adjuster could use include:

  • Unreasonably delaying your claim
  • Raising disputes in your claim that are not really legitimate
  • Offering you less than what you are owed in settlement
  • Trying to trick you into saying something that hurts your claim, such as getting you to admit that you were partially at fault in causing your injuries

When dealing with an insurance adjuster, you need to be careful about what you say so that you do not weaken your claim for compensation. Here are tips to follow when talking to an insurance adjuster:

  • 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 more difficult to get a fair settlement later on. In addition, it does not leave a good impression with the adjuster or others involved in your claim down the road.
  • 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 or say that you are sorry, which could be interpreted as admitting fault. You also only want to give basic information about your injuries. At the beginning stages of your claim, you do not even know how injured you are, how long your recovery will take, or what treatments you will need. You do not want to suggest that you are less injured than you are.
  • Never agree to a recorded statement. The adjuster could ask you to give a recorded statement—a tape-recorded question about your accident and injuries. It is never a good idea to agree to give one because you may say something inadvertently that hurts your claim. Agreeing to give a recorded statement is a mistake many people make that you want to avoid.
  • Refer the adjuster to your attorney. Your best strategy is to have a very brief and polite conversation with the insurance adjuster where you advise him that your attorney will contact him to provide additional information. Leave all communications and negotiations to your attorney so that you only provide the adjuster with the information he needs and you receive the settlement you deserve.

If you need to file an insurance claim, let the experienced attorneys at Andrew Kim Law Firm, PLLC, take over the burden of filing your claim and negotiating a settlement with the insurance adjuster. To schedule a free case evaluation, call our office today.