Whether your auto accident is severe in nature or a minor fender bender, it is inevitable that you will speak to an insurance adjuster. The insurance adjuster will usually reach out to the involved parties to gain valuable information to assist them in evaluating your claim. The evaluation of a claim involves coordinating vehicle repairs, and (more importantly) determining what compensation will be paid for injuries and damages related to the accident.
How To Talk To An Insurance Adjuster
Anyone involved in an auto accident due to no fault of their own must understand that an insurance adjuster works for their company, not you. In many instances, adjusters will put pressure on a client to get them to quickly sign a release and close out a claim. There is nothing an insurance company likes more than quickly resolving claims with minimal payouts for injuries and damages. First and foremost, you should seek a free consultation with an experienced personal injury auto accident attorney for advice. We typically advise a client to allow our attorneys to speak on your behalf, dictating what is said to an insurance adjuster.
What to Watch Out For
In addition to the common mistakes following an accident we previously wrote about here, there are a few things you should avoid saying to an insurance adjuster.
All insurance adjusters will ask you to provide a recorded statement. We have always advised clients against providing a recorded statement, as noted here. During a recorded statement, an adjuster will try to get you to say things that are not necessarily accurate, crafting their questions in ways that will benefit their side of the case. It is imperative that you consult with an experienced attorney before providing a recorded statement.
Never admit fault. It goes without saying but if you inadvertently admit fault or tell an adjuster you are not sure what happened, odds are your claim will be denied. If a report was filed after your accident that should provide sufficient information for an adjuster to determine fault. If an adjuster disagrees with the facts contained in the report then you should consult with an attorney to review your matter.
Do not discuss injuries. There are many times that injuries or pain will gradually worsen in the days following an accident. We have seen whiplash injuries manifest weeks after an accident and linger for months.
Avoid Hostile Language
Avoid using disrespectful or foul language when discussing your case with an adjuster. We understand that emotions always run high following an accident, but you must understand the insurance adjuster is doing his/her job. They can make your claim go smoothly or allow things to drag on, so it is best to avoid being rude to them. If you find yourself unable to contain your emotions, allow an attorney to negotiate your claim.
We Can Talk to Insurance Adjusters
The Chiozza Law Firm provides a lower than normal fee agreement that will benefit you the client, with the majority of settlement proceeds going directly to the client.
If you have been involved in an auto accident, schedule a confidential and free consultation with an experienced auto accident attorney at The Chiozza Law Firm. We have been negotiating with insurance companies for decades, successfully settling both small and large claims. Call (901) 526-9494 or text (901) 545-9390 for immediate assistance.
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