Dealing with an Insurance Adjuster
Insurance adjusters are tasked with a difficult job. They are responsible for making sure individuals do not take advantage of the insurance company or commit fraud. Fraudulent claims cost insurance companies tens of billions of dollars every year, and this cost is passed down to the individuals that buy car insurance. So, while the claims adjuster might seem like the bad guy, they are really trying to get to the bottom of what truly happened, to keep premium rates lower for someone like you, and of course to keep their employers happy.
If you are worried about the recorded call with a claims adjuster about your accident, some lawyers advise against doing it altogether, in the event that the insurance company can later use something you said to deny your claim or minimize their payment to you.
1. It Was My Fault and I’m Sorry
Even if you think you were at fault or partially at fault for the accident, do not admit it to the adjuster, police, or the other driver. This may cause you to take full responsibility for the accident even if you are only partially responsible.
2. I Think and In My Opinion
It is better to stick with the facts that you know are true and tell the adjuster that you don’t know the answer to something, rather than guessing.
3. The Next Thing You Know
Saying a statement like this can automatically document you as partially at fault, as the adjuster might interpret that as you had time to avoid the accident.
4. They Came Out of Nowhere
While it might be easy to say this, it makes it sound like you weren’t paying attention while driving.
5. Leave Out Details of Injuries and the Accident
You are not obligated to tell the adjuster how the accident happened, and it’s better not to do so over the phone. Stick with the facts such as who, what, when, and where, including any eyewitnesses.
As well, do not provide details about your injuries because you may leave something out that you haven’t noticed yet or present injuries may get worse.
Speak with an Attorney
It can be easy to have your words misinterpreted by an adjuster who is listening for a reason not to pay your claim. Even if you are completely innocent, saying the wrong comment could lead to you agreeing that the accident was partially your fault, even if it wasn’t. An experienced car accident lawyer can help you create a written statement for the adjuster that can help protect your rights and maximize your chances for insurance coverage for your injuries or damages.