When you file an insurance claim for a car accident or personal injury, you may receive a call from the defendant’s insurance claims adjuster. If you believe that the other party was at fault, it’s important to be careful about what you say. Here are some tips for talking to insurance claims adjusters.
Insurance companies have a vested interest in paying as little as possible
Any insurance company’s goal is to settle a case for as little money as possible. If you accidentally admit fault or downplay your injuries, you may receive a lower settlement than you’re entitled to. Similarly, you may not realize what your case is worth yet, so you are in danger of accepting a lowball settlement offer.
How to handle your initial claims adjuster call
First, stay calm and polite during the call, even if your emotions are running high. Get the adjuster’s name, company name and contact information, and give only basic personal information. All you need to provide is your name, address and phone number.
Do not give details of the accident or your injuries. You may be pressured to “make a statement.” Politely tell the adjuster that your investigation of the accident is ongoing, and you’ll discuss the facts at an appropriate time. Do not talk about your injuries: they may be more severe than you realize, you may develop complications later on or you may accidentally leave an injury out. Instead, tell the adjuster you’re still being treated. Decline to comment further.
Take notes during the phone conversation—then call a personal injury attorney for further assistance. Experienced lawyers will know how much your case is worth and how to deal with the insurance companies, from filing a demand letter to settling the case out of court or at trial.
For assistance with your car accident claim, call the trusted car accident attorneys at Goldman, Babboni, Fernandez, Murphy & Walsh in Bradenton, FL.