Tips on Dealing With an Insurance Claims Adjuster After a Car Accident

After a car accident, speaking to the claims adjuster is a challenge. After all, they do this for a living, and this may be the first time you’ve dealt with this. You should be careful about making off-handed remarks to the adjuster. They are keeping careful track of what you are saying. If you get a call from the other person’s insurance company, remember that you Consult Martindale-Hubbell Law Directory are not obligated to speak with them. If there’s property damage to your car, you may want to tell them where your car is so they can appraise the damage. However, if the car was deemed totaled, you may not want to let them to move the vehicle until you have agreed upon the settlement value (otherwise you are giving away some of your leverage in negotiations).
You should be wary of agreeing to give a recorded statement- especially to the other person’s insurance company. They are not ‘on your side’. They are working to try to minimize what is paid on your claim to save their company money. If they want to know how the car accident happened, they can look at the police report.
Also, they might want to get a statement about what your injuries are. You should avoid giving medical information to the other person’s insurance company. This includes avoiding signing a medical authorization for the other person’s insurance company. You may be better served to get your own records or ask your own insurance company for your medical records.
The insurance adjuster for the opposing driver, often called the “bodily injury claim” adjuster, may pressure you into an early settlement. They are motivated to limit their carrier’s liability exposure by closing out the file. They know that your injuries may worsen later. You may also want to be careful about being in too much of a hurry to settle the claim. The other company will require you to sign a release of your claim in exchange for a settlement payment. Once you sign a release, you will not be able to go back to them later should your medical condition or damages change. So, you want to be as sure as possible when you go to settle that your doctors feel you have reached maximum medical improvement.
Documentation of your claim is critical. This includes taking photos of property damage and your physical injuries. If the car accident scene had physical evidence such as skid marks, damage to the guardrail or other visible things, make sure you get those photos. The insurance company will be getting photos which they feel will help them against you. You need to do the same to support your claim. Also, proof of lost wages in the form of a doctor’s disability note and your proof of earnings will be necessary.
It is important to understand that in the typical insurance scenario, the adjuster you are dealing with has to report to his or her claims manager. You need to provide the documentation to prove your claim so that the adjuster will have authority from management to settle your claim.
This article is not intended, nor should it be accepted, as legal advice. Insurance claims can become quite complex and the insurance adjuster has an unfair advantage Sample Demand Letter For Damages over you due to their experience. You should consider retaining an experienced personal injury lawyer to help you with your insurance claim and the claims adjuster.

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