Have you been injured in a car accident? If so, expect to receive a phone call from an insurance adjuster at the at-fault party’s insurance company. Insurance adjusters typically make the initial phone call shortly after they are notified of the accident, so it’s possible that you will still be in pain or a state of shock when your phone rings. But, it’s important to pull yourself together so you don’t make any crucial mistakes during this call that could affect the outcome of your case. Here’s how to handle the first call with an insurance adjuster:
Do Not Give Detailed Personal Information
The insurance adjuster will attempt to get as much personal information as possible from you during this call. There’s no reason to provide him with any personal information besides your legal name, address, and phone number. If he asks about your work history, income, or family, politely decline to answer the question.
Avoid Discussing Your Injuries
Do not go into detail about the injuries that you sustained in the accident or comment on the level of pain you are experiencing. This information can be taken out of context and used against you later on in the case. Instead, make it clear that you are seeking medical attention from a doctor and will provide the insurance company with more information when it is available. Do not tell the insurance adjuster which doctors you have seen or if you have been treated for any injury so far.
Sometimes, an insurance adjuster will make an offer during the first call. Do not accept this settlement—or any settlement—until you have talked to an attorney. There is no way for you to know the extent of your injuries immediately after an accident, so it’s impossible to calculate the value of your claim at this point. The insurance adjuster is hoping that you will settle for a small amount of money before you find out that your claim is worth much more. Don’t make this mistake—always turn down settlements that are offered during this first call.
Say No to Recorded Statements
An insurance adjuster may ask you to give a recorded statement about the accident, but this is not a good idea. Politely tell the insurance adjuster that you are not interested in providing a recorded statement and will provide a written statement at a later date.
Dealing with an insurance company can be tricky, and if you make a mistake, it could affect the outcome of your case. To protect your best interests, let a personal injury attorney at Reisch Law Firm communicate with the insurance adjuster on your behalf. Schedule a free consultation today by calling 303-291-0555 or filling out this online form.