Dealing with a personal injury (PI) claim can be stressful, especially when recovering from injuries. As you recover, you receive a call from an insurance adjuster. They are polite and eager to talk about your claim. But a small voice inside you wonders, “Are they really looking out for my best interests?”
It’s a common feeling. Many individuals like you find themselves in this exact situation, unsure of what to say and how to handle it. That is where experienced personal injury lawyers can truly make a difference.
With their knowledge, they help ensure that you’re not taken advantage of by the insurance company and that you’re fairly compensated for your losses. In this guide, we will explain how to deal with insurance adjusters so you can confidently handle the process and get the compensation you deserve.
Know the Role of an Insurance Adjuster
The first thing you should know when dealing with an insurance adjuster is to understand their role. Adjusters are employed by insurance companies to evaluate personal injury claims and determine the compensation to be offered.
It sounds simple, but their job is to protect the insurance company’s financial interests. Even though they seem friendly, remember that they work for the insurance company, and their aim is usually to cut costs for the insurance company.
Keep Detailed Documentation
Strong documentation is the key to a successful personal injury claim. From the time of your injury, start documenting things. The following are some of the most important documents you will need:
- Medical Records: Document all treatments, surgeries, doctor visits, and medications prescribed. Make sure to keep copies of bills and receipts.
- Photos and Videos: Take pictures of your injuries, the accident scene, and property damage.
- Witness Information: If there are any eyewitnesses, get their contact details and ask them if they are willing to provide a statement.
- Police Reports: If law enforcement was involved, request a copy of the report to support your claim.
The more evidence you have, your case will be stronger when you interact with the adjuster.
Watch What You Say
Insurance adjusters may ask you many questions during the conversation, but you must be cautious about what you disclose. Here are a few tips to handle it cleverly:
- Don’t Admit Fault: Even if you feel partially responsible for the accident, don’t admit it. This can be used against you to reduce the compensation.
- Don’t Downplay Your Injuries: Insurance adjusters might try to help you minimize the extent of your injuries. Be clear and honest about the pain and limitations you are experiencing.
- Stick to the Facts: Avoid speculating about the accident or your injuries. Stick to the facts and avoid emotional responses.
If you’re uncertain about what to say, consider consulting with personal injury lawyers who can guide you in communicating effectively with the adjuster.
Don’t Settle for the First Offer
Insurance companies may offer you a settlement shortly after you submit your claim. This initial offer is typically lesser, and it’s often a tactic to resolve the case quickly for as little as possible. Never accept the first offer without considering the full impact of your injuries, including:
- Medical Expenses: Are all your medical bills covered, including future treatments or therapy?
- Lost Wages: Does the offer account for any time you’ve missed work due to your injury?
- Pain and Suffering: Does the offer consider the emotional and physical pain you’ve endured?
It is good to consult a lawyer before accepting any offer.
Know the Settlement Process
The settlement process is a negotiation between you and the insurance company. After reviewing your claim, the insurance adjuster will make an initial offer. You may accept it, reject it, or negotiate a higher settlement.
If you reject the offer, the adjuster might increase it, but you must be patient as this process can take time. Insurance adjusters will try to push you into settling quickly but do not feel pressured. Take your time and assess the offer carefully.
When to Involve a Lawyer
If you get an uncooperative insurance adjuster, it’s time to get legal help. A personal injury lawyer can:
- Handle Communications: They can communicate with the insurance adjuster on behalf of your account to represent you.
- Negotiate: Lawyers are professional negotiators and can help you get a fair settlement, taking into account all your medical costs, lost wages, and pain and suffering.
- Litigate: If negotiations fail, your lawyer can take your case to court to pursue the compensation you deserve.
Having a legal professional by your side can be the difference between a fair settlement and a significantly lower payout.
Conclusion
Handling insurance adjusters during a personal injury claim can be challenging, but with the right approach, you can secure fair compensation. By staying informed and following these steps, you can better handle your claim and focus on what matters most.
