It can be challenging to know exactly what happened after an unexpected collision. Gathering evidence may not be at the top of your priority list. After an accident, you should first ensure that everyone is safe. A few days after an accident, you will get a call from an insurance adjuster. Be cautious of what you say. Knowing what to expect and how to deal with insurance adjusters in personal injury cases is the best way to protect your rights.
Talk to personal injury attorney Huntington Beach with El Dabe Ritter Trial Lawyers for help negotiating with a claims adjuster and receiving the settlement you deserve.
Understand The Role of An Insurance Adjuster
The responsibilities of an insurance adjuster include:
- Preventing insurance fraud by ensuring that you are not lying
- Settling claims at the lowest amount
- Settling claims quickly
Insurance adjusters often deal with several cases each month. When you and your attorney show advanced knowledge of your case, and with sufficient evidence to support you claim, you already have the upper hand.
Do Not Give a Recorded Statement or Sign Anything
When an insurance adjuster calls, find out who is speaking and who they represent and then maintain a concise conversation. After an accident, you are still recovering from the shock of your car accident, and you may exaggerate, apologize, or omit essential details when asked to give a recorded statement.
An insurance adjuster may also request access to your medical files, which may seem harmless, however, they may try to use your medical records to claim that your injury was the result of a pre-existing condition. Instead, have your attorney send a written statement to the insurance adjuster and attach it to the relevant evidence.
Don’t Settle For The First Offer
Insurance adjusters have often already allocated a particular amount of money for your claim. They will purposefully give you a lower offer than the allocated amount and hope you will accept it. A low-stress, quick settlement may seem like a perfect deal.
However, you should always negotiate a settlement, even if the first offer seems good. Prepare compelling evidence and submit a counteroffer. Remember, the insurance adjuster wants to settle the claim fast, as well. If they can save their company money, they will.
Provide a Deadline
When you give an insurance adjuster a deadline to respond to you, they normally mark it in their calendar, making your claim a priority. By not serving them with deadlines, your file might sit on the desk unturned.
Contact a Personal Injury Attorney
Instead of working directly with a claims adjuster, hire a personal injury lawyer to negotiate with the at-fault party and their insurance company on your behalf. An attorney has the legal experience to challenge an insurance adjuster’s settlement offer and help you gather documentation to support the amount you deserve.
At El Dabe Ritter Trial Lawyers, their experienced Huntington Beach personal injury attorneys are available to help you receive the compensation you deserve. Contact their offices today to schedule a free consultation.