If you’ve been involved in an accident that resulted in personal injury, you will likely have to deal with an insurance adjuster. The role of the insurance adjuster is to investigate the claim, determine fault, and offer a settlement amount that will resolve the matter.
While it may seem straightforward, dealing with insurance adjusters can be tricky. As experienced trial attorneys, we at HHJ Trial Attorneys have seen countless clients struggle with insurance adjusters.
Here, our personal injury lawyers will provide tips and strategies for effectively dealing with insurance adjusters and maximizing your compensation.
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What Do Insurance Adjusters work?
It’s essential to understand who insurance adjusters are and how they work.
As stated earlier, insurance adjusters are company employees responsible for investigating claims, evaluating damages, and negotiating settlements.
Their ultimate goal is to protect the insurance company’s interests, which often means minimizing the payout to the claimant.
This is not to say that insurance adjusters are inherently unethical, but it does mean they are not necessarily looking out for your best interests.
How Can You Deal With Insurance Adjusters Effectively?
There are some essential tips to remember when dealing with insurance adjusters.
You need to be cautious of what you say. Insurance adjusters are trained to ask questions in a way that can make you accidentally admit fault or downplay the severity of your injuries. Avoid saying anything that could be used against you later on.
Ensure that you document everything. Keep detailed records of all communication with the insurance adjuster, including emails, phone calls, and letters. This will help you keep track of any promises made and ensure that you have evidence if any disputes arise.
While you should be careful about what you say, it is imperative to be honest about the facts of the accident and the extent of your injuries. Any attempts to exaggerate or fabricate details will likely be uncovered and harm your credibility.
Never accept the first offer. Insurance adjusters often start with a low offer, hoping you will take it out of desperation.
Dealing with insurance adjusters can be time-consuming, lengthy and frustrating, but it is vital to remain patient and persistent.
What Are the Common Tactics Used by Insurance Adjusters?
Insurance adjusters are trained to use several tactics to minimize the payout to the claimant. Here are some common tactics to watch out for.
#1 – Lowball Offers
As mentioned, insurance adjusters often start with a lowball offer to test if you will accept it without question. Do not be afraid to push back and negotiate for a higher amount.
#2 – Denial of Liability
Insurance adjusters may try to deny liability for the accident altogether. This is another tactic designed to reduce the settlement amount. Be prepared to provide evidence of the other party’s fault, such as police reports or witness statements.
#3 – Rushing You to Settle
Insurance adjusters may pressure you to settle quickly before you can fully evaluate the extent of your injuries. This is another tactic designed to lock you into a lower settlement amount. Always talk to an attorney before settling on an offer.
#4 – Asking for a Recorded Statement
Insurance adjusters may ask you to provide a recorded statement about the accident. While it is necessary to cooperate with the investigation, it is generally not in your best interest to give a recorded statement without first consulting with an attorney.
Insurance adjusters can abuse recorded statements, twist your words and use them against you later.
The Importance of Hiring an Attorney
Dealing with insurance adjusters can be overwhelming and confusing, especially when trying to recover from injuries sustained in an accident. Hiring an experienced law firm will make a significant difference in the outcome of your case.
Here are some ways that an attorney can help:
- Protect your rights: Personal injury lawyers understand your rights as a claimant and can ensure that you are treated fairly throughout the claims process.
- Maximize compensation: Attorneys have experience negotiating with insurance companies and can push for a higher settlement amount on your behalf.
- Handle the paperwork: Attorneys can handle the paperwork and other administrative tasks associated with filing a personal injury claim, so you can focus on recovering.
- Legal advice: Attorneys can provide legal advice on how to proceed with your case and what steps to take to maximize your compensation.
Because insurance adjusters don’t have your best interest in mind, it’s vital to get an attorney on your team that does.
Let Our Experienced Personal Injury Attorneys Handle the Insurance Adjuster
Dealing with insurance adjusters can be challenging and stressful, especially when recovering from a personal injury. Following the tips and strategies outlined in this article can protect your rights and maximize your compensation. If you feel overwhelmed, consider hiring an experienced personal injury attorney to help you navigate the claims process and fight for your rights.
At HHJ Trial Attorneys, we have years of experience helping clients deal with insurance adjusters and maximize their compensation. Contact us today to schedule a free consultation.