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Ten Important Things To Know When Dealing With An Insurance Adjuster

Being in an auto accident is traumatic. When the fault lies with the other drive, it can become a serious issue. You no sooner get to the hospital when the at fault driver’s insurance company calls. No matter how friendly the adjuster, it is imperative for you to remember that these people are trained to protect the insurance companies interests and give you the least amount of money they can to settle your claim.

Here are seven things you need to know before dealing with an insurance adjuster:

Do not say anything immediately after the accident.

Once you have sought medical treatment and have gone home, contact the insurance company when you feel confident.

 Never apologize, give detail injuries, or admit fault.

Whatever you do, do not offer your opinion. You may feel you have a clear idea of the accident but keep in mind that often injuries take time to develop and your future medical issues and income cannot be determined within hours of your accident. The only information you should volunteer to the insurance company are who was driving and where it happened.

Do not give the at fault driver’s insurance company any personal contact information.

Your friends and family are not required to provide any information about you and you are not required to provide the insurance company with the information for your medical doctors.

Write everything down.

It is always a good idea to write down exactly what occurred while it is still fresh in your mind before talking to your insurance company or lawyer. Often the other insurance company will try to cast doubt on your statement if your statement is inconsistent.

Do not sign anything.

You may be pressured to sign by the insurance company. Do not do so until you have spoken with an attorney. Remember, any releases of information or liability releases will be used against you and. You may think the medical releases you sign are to review your current injuries when the insurance adjuster will review all medical records in the past to try and connect your current injuries with any prior incidences,

Do not allow them to record you.

You are not obligated to agree to being recorded and without your permission he/she cannot record your conversation. Wait to give a written statement when you have had time to be accurate. Being recorded can be used to trap you into saying something inaccurate.

Do not ever say you are sorry.

No matter what the circumstance is never say you are sorry as the opposing side’s insurance company can find a way to misconstrue your statement.

Say you are fine.

Under no circumstance should you ever say you are fine or will be fine to an insurance adjuster. While this seems obvious, many people have the tendency to say fine to assure people.

Do not agree to a settlement

Remember! When you agree to a settlement the at fault driver’s insurance will do their best to give you the minimal amount and once you sign you committed. You cannot go back for more money should you find you are injured more than you thought you were.

Do not ever tell the adjustor you do not have a lawyer.

Knowing you do not have an attorney, will allow them to think they have the advantage and will press harder for a low ball settlement. Just knowing that you have a lawyer will often signal to the adjustor to not take advantage of you.

Why You Need To Get Help From an Injury Attorney

While this list will help you avoid many of the pitfalls when dealing with insurance companies, it cannot compensate for the help and advice of a competent lawyer, who can take over the stress and aggravation of a settlement, allowing you to heal. The attorneys at Justice Pays will guide you to getting the compensation you need and deserve. We’ll take over the conversation with the insurance company to guarantee they don’t take advantage of you. Give us a call today to learn more!

During his time as a public attorney for the State of Florida, Bernard Walsh developed a passion for defending the legal rights of Florida's citizens. Having seen many people being taken advantage of after being injured and the financial harm that can cause for families he committed himself fully to helping injured clients get justice, by fighting to make greedy insurance companies pay what they owe.

Ten Important Things To Know When Dealing With An Insurance Adjuster

Goldman Babboni Fernandez
Murphy & Walsh

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