Dealing With Claims Adjusters: What To Know
If you've been injured in a car accident, it's only a matter of time before you come into contact with an insurance adjuster. Exactly who's insurance adjuster is calling and how you handle that call can make a great deal of difference in a personal injury claim. Read on to learn more about dealing with claims adjusters.
Who is calling?
This is one time when you want to be very clear about who you are talking to before you speak. In many cases, you are actually required to speak to your own insurance company so you must do so when they call. You should know that you can take this phone call at your own convenience, so make sure you are recovered enough from your injuries to handle this task before you set up a time. You will need to report the accident to your insurance company no matter who was at fault.
It should be noted that you should not need to use your own insurance to cover you unless the other driver is uninsured or has no assets. You should also prepare yourself for this interview, which will be recorded, by reviewing your accident paperwork. If you have the following on hand, it will come in handy:
1. Your insurance policy. Pay particular attention to the exclusions and coverage sections.
2. Police or accident report
3. Photos and estimates of damage
4. Your medical treatments, so far. You may have receipts or bills showing treatment, for example.
5. A summary of how the accident happened from your own perspective.
When the other guy's insurance adjuster calls
These circumstances could not be more different. Often, participating in this phone interview is tempting. The caller seems very nice, and they tell you that they are getting ready to pay for your damages. Money is something that you may be needing since you may have missed work, but falling for this trick will actually end up costing you more money.
Never speak to the claims adjuster for the other side; their only motive in calling you is to reduce their own liability for the accident by making you misspeak or say the wrong thing. You are not required to take part in a recorded phone call with the other side's insurance adjuster. If you happen to be using the same insurance company as the other driver (it happens surprisingly often), then you need a personal injury attorney to help you with your interview.
Seeking legal help sooner rather than later will take the burden of dealing with a claim off your shoulders and allow a professional to get you the compensation you need. Contact a law office like Smith, Jordan, & Lavery, P.A. Attorneys at Law for more information and assistance.