10 Critical Tips For Your First Call With An Insurance Adjuster After An Auto Accident
After you’ve gotten into a car accident, sometimes before you have even been fully treated for your injuries, you will start getting calls from insurance adjusters. What you say in this first conversation will have a big impact on how your claim is settled in the future. Therefore, it is critical to know what to do and what not to do in this first call. Here are ten tips to help protect your interests in your first conversation with an insurance adjuster.
Speak Only When You Are Ready
Insurance adjusters will call moments after they’ve been notified about the accident. They act so quickly intentionally to catch people off guard in hopes they’ll say something that can later be used against them. You are under no legal obligation to talk to them on their schedule. If you are injured, emotionally shaken, or even just not in the mood after the stress of the accident, go ahead and call them back when you are ready to talk.
Take Thorough Notes
Before taking the call, prepare to take thorough notes of everything you say. Whether you use a pen and paper or type on a computer or smart device, have it ready. It’s important you document every step of a claim.
Get The Contact’s Information
Make sure to ask the insurance adjuster’s name and direct contact information before beginning. Write it down. This information is valuable for both documentation and if you or your attorney needs to follow up.
The first conversation should always be brief. Insurance adjusters will try to push for more because they know the sooner they can get you to settle the claim, the less they’ll have to pay. So set some limitations early in the conversation by saying you will not be discussing much at this time because you don’t know all the details yet.
Do Not Give Detailed Personal Information
When you talk to the insurance adjuster, you only have to give them your name and contact information. They may ask you a variety of personal questions from where you work to your medical history. You have no legal obligation to tell them any of these details. Even if they seem friendly, remember they are already looking for ways to undermine your claims.
Do Not Give A Recorded Statement
Insurance adjusters will also use this time to try to gather statements which they may then try to use as evidence against you. Never agree to a recorded statement without an attorney present. Also know that it is illegal for an insurance adjuster to record you without your permission. So if they ask, simply decline.
Do Not Give Any Details About The Accident
Insurance adjusters will try to ask you about the accident, the may even try to make polite conversation to trick into saying something they’ll twist and use against you in the future. Just stick to the most basic facts:
● Where the accident happened
● When the accident happened
● The type of accident
● Who was involved in the accident
● The names of any witnesses
If they ask about anything else, just tell them you will discuss the accident at another time.
Do Not Give Any Details About Your Injuries
If you were injured, they will want to know. However, many injuries including traumatic brain injuries, whiplash, and spinal injuries may not show signs and symptoms until a later date. If you start talking about your injuries right away, you may miss something or not be aware of the full extent of your injuries. If your injuries develop further, they may try to use the early conversation as evidence your claim is not as serious as you say.
Do Not Accept A Settlement Offer
You’d be surprised at how quickly insurance adjusters will try to get you to settle. You may be only a few hours after your accident and they will begin pushing you to settle your claim. That is because they know the sooner you settle, the less they will have to pay. No matter how pushy they become or what they say, do not accept an early offer.
Insurance adjusters are pushy and they will prod you and ask unpleasant questions. If you find yourself getting stressed or angry, simply end the conversation. Remember you are under no obligation to talk to them on their schedule.
Remember, if you hire the attorneys are Your Injury Law Firm, you will never have to speak to an insurance adjuster. The only point of contact they will have is us. So you will never have to worry about doing or saying the right or wrong thing. We’ll protect your interests at every stage of the claim from the accident until you get the money you are owed. Contact us for a free case evaluation today!