Car Accidents and Insurance Adjusters
Car Accidents and Insurance Adjusters
If you have been involved in an accident with another person, then you should expect to be dealing with insurance adjusters. Not just one, but two. There will be an adjuster representing your insurance company and there will be a separate adjuster for the other person involved in the accident assuming that he or she has insurance. What does an insurance adjuster do? After you file your car insurance claim, you will need to work with an insurance adjuster who will research your accident, study your policy, and decide how much money you are entitled to. The best way to approach the car insurance adjuster is to be respectful and well prepared. Although the adjuster works for the insurance company that makes money by paying you less, most car insurance adjusters will deal with you fairly, especially if you are respectful, knowledgeable, and prepared to prove the value of your accident claim.
Keep in mind, a car insurance adjuster’s main concern is to justify the insurance settlement for the file. Therefore, providing them with the correct documentation to prove your settlement will not only make your car insurance claim go more smoothly, it will also help you get the settlement that you want.
You should always remember that your insurance company is not necessarily going to be your best friend through this process. The adjusters have incentives that will at times put the interest of the company that employes them over your right to claim the financial reward that may be owed to you. When talking to your insurance company or the other driver’s insurance company, you should keep an eye out for a couple of tricks and tactics that are often used within the industry, because failure to do so can do a lot of your case.
Adjusters Will Pressure You To Settle the Claim Quickly:
No matter of the pressure that may be placed on you to settle your claim quickly, remember that do have right, so stand your ground and focus on healing. You have two years to file your accident claim. If the adjuster or anyone from the insurance company tries to tell you that it is in your best interest to settle your claim quickly and without the advice of an attorney then it should be crystal clear to you where the adjuster’s loyalty lies. Good legal decisions take time and are rarely an “overnight” type of situation. As the old saying goes, “if it sounds too good to be true, then it probably is.”
Adjusters Will Ask For Your Medical History:
Although this may seem to be a relatively benign request, asking you for your medical history has a very deliberate purpose: the insurance companies want a list of your prior injuries in order to claim that the severity of your accident is not as bad as it actually may be. If the accident did not cause an injury, you can’t claim damages for it. The insurance companies and their adjusters will make any excuse and employ many different tactics in order to do one thing, lower the total damages of the accident, thereby reducing the amount that they have to pay out in order to settle your claim. Be aware of who and what you are dealing with and do not allow them to take advantage of you or your medical history. You deserve to be fairly compensated for any injuries that you suffered due to the accident.
Beware of Small-Talk:
An insurance adjuster is not a medical expert, nor is he or she a doctor. Therefore they do not have the right to diagnose you over the phone or in person. It will start so innocently with perhaps a little small-talk or casual conversation about your accident as they are secretly hoping that you will say “Oh, it’s not that bad” or that “it was hurting before the accident.” Be direct, stay focused, and be honest about how much these injuries are affecting you.
What Questions Will The Adjuster Ask You?
- Can you describe the accident?
- Did you leave in an ambulance?
- What is the nature of your injuries?
In the days following an accident, you may not remember the details of your accident, or they may catch you off guard by asking you something that you were not expecting. If this happens, you are allowed to simply say that you do not know. However, you should keep in mind that you should offer all of the details you can to the adjuster. Adjusters will work with the information that they have, and if you say that you “cannot remember how an accident happened, but the other driver can, the insurance adjuster may assume that the other driver’s account is more accurate.
If you’ve been hurt, the last thing you should have to worry about is your medical bills and finances. You need to focus on making a full recovery. We are here to answer all of your questions and provide assurance in times of uncertainty. If you have a case or have questions about your legal rights, then please contact us at any time for a free consultation. Click HERE to contact IWasInAWreck.com today.