An insurance adjuster’s job is to gather information about your claim after an accident and help reach a settlement for your damages. It is important to remember that no matter how friendly and concerned adjusters may seem, their true job is to protect the interests of the insurance company. If they can avoid paying a settlement, they will.
When you file a claim with your insurance adjuster and wish to avoid any unfair reductions or denials of your settlement, keep these five tips in mind.
1. Talk to an Attorney First
You have the right to work with a personal injury attorney prior to talking to or negotiating with the insurance adjuster. Your attorney can help you understand what type of auto accident information to give your adjuster and can assist you in negotiating a fair settlement or appealing a denied claim.
2. Be Calm and Courteous
Insurance adjusters are just doing their jobs; they may not have a lot of control over what they can and cannot do for you in an insurance settlement. You are probably under a lot of stress following the accident, and taking it out on the adjuster will only make things more complicated and unpleasant. If you feel you are emotionally unable to handle claim negotiations, an attorney can represent you during the claims process.
3. Keep Detailed Records of Communication
Every time you speak to an adjuster, get his or her name and record the time of the call and what you discussed. If the adjuster asks for detailed information such as medical records or employer information, talk to your attorney first before releasing these details.
4. Don’t Offer More Information than What is Requested
You can wait until you have spoken with an attorney before you give a recorded statement after the accident. Do not speculate or give solid “facts” about what you believe caused the accident.
5. Tell the Truth
Lying about the cause of the accident, embellishing the severity of your injuries, and any other stretches of the truth will only cause more headaches in the claim process. Insurers are diligent about investigating claims and may deny your claim if they find you are lying about important details. Stick to the facts, be honest, and only offer information asked of you when your attorney sees it is appropriate.
Our Attorneys Can Help You Talk to Insurance Adjusters
You’re not alone in the insurance claim process when you hire a personal injury attorney to represent you. Many insurance claims go unfiled or are unfairly denied or reduced because of the claimant’s reluctance to pursue a full and fair settlement. Our attorneys are here to make the process easier on you and your family so you can focus on recovery while we handle negotiations.
Hensley Legal Group is Indiana’s advocate for those harmed by the negligence of others. From car accidents to dangerous drugs, our personal injury attorneys want to make sure you receive a fair settlement for your damages. Call us at 317-472-3333 or contact us online to set up a free consultation to discuss your case.