Top 5 Things You Should Never Say to an Insurance Adjuster

What is an Insurance Claims Adjuster?

According to Investopedia, an insurance claims adjuster is responsible for evaluating insurance claims to determine the extent of an insurance company’s liability [1]. They may handle various claims, including property damage, personal injuries, or third-party property damage.

Understanding a Claims Adjuster’s Role

Claims adjusters verify policyholder requests for funds from an insurance policy. They determine a fair amount for settlement. These can be any type of claim, from personal injury to property damage

For instance, in a property damage claim, such as a tree falling on a house, the adjuster would inspect the damage, interview the homeowner and witnesses, and review relevant reports. The adjuster then submits a report to the insurance company with recommendations for a fair settlement amount to cover the damages.

Tips for Dealing with an Insurance Adjuster

When dealing with an insurance company after a loss, it’s crucial to understand the role of the insurance adjuster [2].

Here are some tips to help you navigate interactions with an adjuster effectively:

• Be polite and professional: It is important to remember that the adjuster works for the insurance company, not you. They are not your advocate even though they may act like it at times. The best way to get what you want from the adjuster is to be respectful and professional in all your interactions.
• Avoid Giving a Recorded Statement Without Legal Advice: The insurance company will likely request a recorded statement shortly after you file a claim. Since this statement could be used against you later, it’s wise to consult an attorney before agreeing to provide one.
• Gather and Document Evidence: Collect all relevant evidence related to your claim, including photos, receipts, and witness statements. The more documentation you have, the stronger your case will be when negotiating with the insurance company.
• Keep Detailed Records of All Communications: Document every interaction with the insurance company, including phone calls, emails, letters, and any in-person or virtual meetings. This record will be invaluable if any disputes arise.

5 Things Never to Say to an Insurance Adjuster After a Car Accident

What you say to insurance adjusters following an accident can significantly impact your ability to secure a fair settlement [3]. If you’re unsure about what to say, it’s crucial to consult with an experienced car accident attorney before engaging with insurance companies. If you must speak to adjusters, here’s what you should avoid:

1. Admitting Fault for the Accident
Never admit fault for the accident before consulting with an attorney. Accidents are complex, and factors outside your control may shift the blame away from you. Admitting fault, even unintentionally, can make it challenging to prove shared or alternative liability later on.

2. Discussing the Severity of Your Injuries
Avoid discussing your injuries with insurance adjusters. Statements like “I’m fine” can minimize the seriousness of your injuries, complicating your ability to claim compensation. On the other hand, exaggerating injuries can undermine your credibility. Always document your injuries with a healthcare professional and leave the injury discussions to your lawyer.

3. Sharing Medical Records
Never share your medical records directly with insurance companies. These records can be used against you in your claim. If it becomes necessary, your attorney can manage the release of medical information later in the claims process, ensuring that your rights are protected.

4. Making Assumptions About the Accident
Avoid speculating about what caused the accident or who is to blame when speaking with adjusters. Let the official documents, like the police report and medical records, provide the facts. An experienced attorney can help ensure that these details support your claim.

5. Offering Unnecessary Information
Only provide the basic information required by law when speaking with insurance adjusters. Avoid volunteering additional details such as the names of others involved, personal contact information, or your own version of events, as this information could be used against you later.

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• Improve Chances of Winning a Workers’ Comp Case
• Group Accident Insurance
• How to Scare Insurance Adjuster to Get a Fair Settlement?

If you’ve been affected by any of these matters contact our personal injury lawsuit attorneys, and we can help with the deserved compensation.

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If you or a loved one was involved with these matters, you should contact our law firm immediately for a free case evaluation. You may be entitled to a settlement by filing a suit and we can help.

References:
1. https://www.investopedia.com/terms/c/claims-adjuster.asp
2. https://www.bethunelawfirm.com/tips-on-dealing-with-claims-adjusters/
3. https://florinroebig.com/things-you-shouldnt-say-car-insurance-adjusters/