How to Deal With Insurance Adjusters After an Auto Accident

Dealing with an insurance adjuster after an auto accident can be stressful. They often seem to have one goal: to settle the claim quickly and for as little money as possible. It’s essential to be prepared and know how to handle these conversations to protect your rights and ensure you receive a fair settlement.

Stick to the Facts

When talking to an insurance adjuster, only provide the facts. Stick to the details of the accident. Avoid guessing or speculating. The adjuster might ask questions designed to get you to say something that could reduce your claim.

Be mindful of what you say, and avoid making statements like, “I’m sorry” or “I wasn’t paying attention.” These could be interpreted as an admission of fault.

Remember, the adjuster works for the insurance company. They are not your friend.

Document Everything

Document every interaction with the insurance adjuster. Keep detailed notes of phone calls, emails, and letters. Record the names of people you speak with, the date and time of the conversation, and what was discussed. If possible, ask for a written statement about what was agreed upon during your calls.

Also, gather all documents related to your accident, including:

• Medical information and bills
• Repair estimates
• Police reports
• Any correspondence from the insurance company

The more organized you are, the better position you’ll be in to negotiate a fair settlement.

Understand Your Coverage

Before speaking to the adjuster, review your insurance policy. Be clear on what your policy covers, including medical payments, collision, and uninsured motorist coverage. If the other party is at fault, your insurance may still play a role in the claim process.

Understanding your coverage helps you avoid agreeing to settlements that don’t fully compensate you for your injuries or damages.

Avoid Giving Recorded Statements

Insurance adjusters often ask for recorded statements shortly after an accident. They might say it’s a routine procedure, but providing one is not always in your best interest. Once recorded, anything you say can be used against you. Stick to the facts, and if you feel uncomfortable or unsure about providing a recorded statement, politely decline and ask to speak with your attorney first.

It’s your right to have an attorney review the situation before speaking to the adjuster formally.

Don’t Accept the First Offer

The first offer you receive from an insurance adjuster is often lower than you deserve. It might seem tempting to accept a quick payout, especially if facing medical bills and car repairs. But remember, this could be the only chance you get to settle. Once you accept, it’s hard to go back and negotiate for more money.

Consult with an Attorney

If you’re struggling to get a fair offer from the insurance adjuster or feel overwhelmed by the process, consult an attorney. An experienced attorney can protect your interests and ensure the insurance company doesn’t exploit you.

The attorneys at Shugarman & Mehring have experience handling insurance claims and ensuring clients receive the compensation they deserve. If you’re unsure how to navigate the insurance process or feel the settlement offer is too low, contact us for guidance. We’re here to help you through the process with your best interests in mind.