Insurance adjusters are not your friends Keep in mind that claims adjusters work for the insurance company and are 100% focused on saving money. Their main job is to find reasons about your claim within your case to minimize the amount of money their company must pay out.
As such, they will always attempt to control you and the claim in a number of ways: They might make false promises, give excuses, blame you, rush you, “sweet-talk” you, or even bully or scare you with misinformation or outright lies.
Insurance adjusters know that the longer they take to pay on your claim, the more your bills (mortgages, medical expenses, etc.) will start to pile up, especially if you are out of work because of your injury. They are hoping you will eventually get desperate enough to accept much less compensation than you are entitled to. Or, conversely, they may try to rush the claim and settle it as quickly as possible before you meet with an attorney and become informed about all of your legal rights.
Do not give a recorded statement or sign anything that an insurance company puts in front of you. You may be releasing them from their responsibilities. A claims adjuster’s objective is to obtain a recorded statement from you that will minimize or even nullify your claim. A signed or recorded statement could hurt your case later on. If an insurance adjuster or investigator calls after you are injured, give them as little information as possible until you are able to consult with an attorney.
The insurance adjuster may give inaccurate policy information regarding the amount or type of insurance coverage available to you. Insurance policies are usually complex and it is difficult to sort through multiple pages of a policy, especially right after you are in an accident. Misinformation can come from the insurance company of the at-fault party – or even your own insurer – to entice you to take a low settlement offer and resolve your claim.
After an accident, you should only give the insurance adjuster or investigator who contacts you basic information so they can begin the claim. Do not agree to meet with them no matter how persuasive they may be. Do not sign anything and do not accept any checks. Once you have obtained legal representation, the insurance adjusters and investigators will not be able to speak with you directly without your attorney being present.
If you are a victim of another person’s negligence, you may be entitled to numerous types of compensation regardless of what any insurance company tells you. Obtain a free consultation with an attorney who is experienced in personal injury law to guide you through the claim process, advise you of your rights, and answer all of your questions.