Whose Side Is the Insurance Adjuster on Anyway?
When you’ve been injured in a car crash and reported the accident to your insurance company, you’ll subsequently be contacted by an insurance adjuster. An insurance adjuster’s job is to inspect the property damage and your personal injury claims to determine how much you should receive for your losses. Since the adjuster works for the insurance company, they are looking out for their best interests — to save them money, not give it away to you. This means you’re most likely going to be offered the lowest settlement amount possible. In addition to hiring an experienced car accident lawyer to protect your rights, here’s how you should communicate with the insurance adjuster.
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Tips on How to Talk to the Insurance Adjuster
When contacted by the insurance adjuster after your car accident, it’s critical to remain calm, polite, and clear-headed. While you may be frustrated and angry about the car crash, getting into a heated discussion with your insurance adjuster can make them handle your claim with spite for your attitude. Stay calm and read on to learn more tips:
Don’t Give Out Too Much Personal Information
The insurance adjuster only needs to know your name, address, and phone number. You do not have to share personal information such as your daily routine, work hours, income, or other activities.
Don’t Talk About the Details of the Incident
If an insurance adjuster asks you to give them a statement about the car accident, politely decline. You can give them basic information about the crash such as:
- The date of the accident
- Where the accident occurred
- The types of vehicles involved in the crash
- The identity of the other drivers
- The identity of witnesses
When asked about your injuries, you can tell them that you are still receiving medical treatment for your injuries. You don’t need to give them any additional details.
Don’t Agree to Give Recorded Statements
Anything you say can be used against you in your claim. If they ask permission to record your conversation or give a recorded statement about your accident and injuries, politely decline.
If you are unsure how to handle any other questions by the insurance adjuster, speak to your car accident attorney for guidance.
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Need Help Filing a Car Accident Claim? Contact Gatti, Keltner, Bienvenu & Montesi, PLC
Dealing with the insurance companies after a car crash can be a grueling experience. Insurance companies will look for mistakes in a car accident claim to offer lowball settlements or deny them altogether. Hiring an experienced car accident lawyer is critical to increasing your chances of a favorable outcome.
Managing Partner Mike Montesi has been practicing law since 1978. For decades, Mike Montesi has helped Memphis residents recover compensation for their injuries due to a negligent driver. We are here for you when you need legal representation to protect your rights against insurance companies.
It’s Easy With Montesi! Contact us today at (901) 526-2126 to schedule a consultation and learn your rights.