It is tough to deal with insurance adjusters because, despite the smiles and friendliness, the insurance adjuster assigned to your claim probably is not on your side. This is because insurance adjusters have one job, and one job only: to save the company for which they work as much money as possible. Because of this, the insurance adjuster assigned to your case will likely be looking for anything that they can that can be used to diminish your claim’s value. This includes any signs or admissions of fault, a lack of injuries, previously existed injuries and property damage, and more. Here are some tips for dealing with the insurance adjuster after a car accident:
Tips For How to Deal With Insurance Adjusters
No matter how emotional you are feeling or how frustrating the claim’s process is, remain professional during all of your interactions with an insurance adjuster. Do not raise your voice or get angry, do not share emotional stories, and do not treat the insurance adjuster as an enemy nor as a friend.
Stick to the Facts & Remain Truthful
Never tell the insurance adjuster more than they need to know; instead, keep it short and simple and only stick to the fact. Further, speak to your car accident attorney so that you know exactly what information you are obligated to share with the insurance adjuster – there are likely many things about your claim that you are not obliged to share. If you do not know the answer to a question that is asked by the insurance adjuster, do not make up an answer. Instead, just say that you do not know.
Do Not Admit Fault
The worst thing that you can do when dealing with an insurance adjuster is to make any admission or showing of fault. This includes saying that you are sorry, that you think you were speeding (or doing something else in violation of traffic laws), that you have regrets, that you feel guilty, or anything else that implies that you did something wrong. If you admit fault, you can be sure that your settlement offer will be diminished (assuming you have traditional tort insurance). An admission of fault can also be used against you at a later date if you pursue litigation.
Do Not Sign Anything
Whatever you do, do not sign anything that is given to you by an insurance adjuster without having it thoroughly reviewed by your attorney first. One thing that may seem innocuous that your insurance adjuster may ask you to sign is a document allowing them to access your medical records. Access to your medical records may seem harmless; however, if your medical records reveal anything about your health that could be used against you – such as that you need contact or glasses to drive (and you were not wearing them at the time of accident) – you may be in trouble.
An insurance adjuster may also ask you to sign a release of claims. If you sign this, you will be releasing the insurance company from all liability, and will therefore lose your right to pursue damages in the future.
To help you understand more about how insurance adjusters determine damages in a car accident claim and how to deal with the insurance adjuster assigned to your case, schedule a consultation with a car accident attorney.