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How To Deal With Insurance Adjusters After A Car Accident

What to do Regarding the Insurance Adjuster After an Accident

When an accident occurs, dealing with insurance adjusters becomes an inevitable part of the process. These professionals play a critical role in determining the outcome of your insurance claim. Understanding their role and how to interact with them effectively can influence your final settlement.

The law firm of Cantor Grana Buckner Bucci is well-versed in dealing with insurance adjusters and can offer valuable advice on how to handle them after a car accident. You deserve expert legal representation to protect your rights and receive the compensation you deserve. Contact us today for a free consultation.

insurance company adjuster taking a picture of a damaged car after a car accident

Who is an Insurance Adjuster?

An insurance adjuster is a representative of an insurance company who investigates and evaluates claims made by policyholders. Their primary role is to determine the amount of compensation that should be paid out for damages or injuries resulting from an accident. These individuals have extensive knowledge and experience in the insurance industry and are trained to negotiate on behalf of the insurance company.

What Can You Expect from an Insurance Adjuster After an Accident?

After a car accident, you can expect an insurance adjuster to initiate contact, typically within a few days. The adjuster will likely ask for your version of the events leading up to the accident, the extent of your injuries, and any potential witnesses. It’s important to be aware that they might also request to record the conversation. Auto insurance adjusters will also inquire about your medical history and the treatment plan for your injuries, if applicable. They will gather this information to evaluate the claim and assess its value. Remember, while adjusters might seem friendly and helpful, their ultimate goal aligns with the insurance company’s interests – to minimize the payout. Thus, it’s crucial to be cautious with the information you provide and consider seeking legal advice before any detailed discussions occur.

What Should You Do if an Insurance Adjuster Calls?

If an insurance adjuster calls, follow these steps:

Stay Calm: Keep your composure and be polite. You don’t want to escalate the situation or cause any unnecessary conflict.

Get Their Details: Ask for their name, contact information, and the insurance company they represent. This will be useful for your records and for any future communications.

If you are Represented, Inform Them About Your Representation: Tell the car insurance adjuster that you are legally represented. They should direct their questions and insurance claims to your personal injury lawyer, not you. Even if it is your own insurance company, you will be best represented and protected by your lawyer.

Do Not Discuss the Accident: A crucial step in safeguarding your rights and maximizing your compensation is to avoid discussing any details about the accident. Refraining from sharing information about the incident allows your attorney to handle all communication on your behalf. This approach helps prevent misinterpretation or unintentional admissions that could be used against you later on. Remember, your attorney’s expertise in handling legal matters ensures that your case is presented effectively, giving you the best chance to secure the compensation you deserve.

Refuse Recorded Statements: It’s crucial to understand that you have the right to decline a recorded statement. This is an important step to protect your interests during the claim process. Refusing a recorded statement allows your attorney to navigate and guide these discussions on your behalf. This ensures that your rights are safeguarded and helps prevent potential misinterpretations or misrepresentations of your statements. Trusting your attorney to handle these matters can greatly contribute to a fair and favorable outcome for your claim.

Do Not Release Medical Records: The insurance agent may request access to your medical records, but it’s important to remember that you are not obligated to provide them with this information. Instead, refer the adjuster to your lawyer, who will handle these requests on your behalf. This approach protects your privacy and ensures that only relevant medical information is shared in a controlled and appropriate manner.

Do Not Accept Early Settlement Offers: It is crucial to resist the temptation of accepting an early settlement offer presented by insurance adjusters. These offers are often made with the intention of closing the claim swiftly, potentially leaving you with less than what you rightfully deserve. By consulting your attorney before making any settlement decisions, you can ensure that you are fully informed about your rights and options and increase your chances of obtaining a fair settlement. Remember, taking the time to properly evaluate and negotiate your claim can make a significant difference in the outcome.

Document the Conversation: To ensure accurate record-keeping, note down the exact time and date of the call. Additionally, record any significant points discussed during the conversation. This comprehensive documentation will serve as a valuable reference for future purposes.

Contact Your Personal Injury Attorney: Having representation is crucial when it comes to personal injury cases. Contacting your car accident lawyer is essential to ensure your rights are protected. They can guide you through the legal process, provide valuable advice, and advocate for your best interests. After the call, make sure to inform your attorney about the incident and provide them with all the necessary details. With their expertise and support, you can confidently navigate your case’s complexities.

a man on the phone after a car accident, standing outside the drivers door of a blue car that rear ended the black car infront of him

More Tips on How to Handle Insurance Adjusters After An Accident

Here are additional tips to effectively handle interactions with insurance adjusters after an accident, with an emphasis on the importance of having legal representation:

Avoid Speculating:

Refrain from making any speculative statements about the accident, your injuries, or any other related matters. Only share facts that you’re certain of.

Know Your Insurance Coverage:

Familiarize yourself with your insurance policy and understand the extent of coverage you have in case of an auto accident.

Be Wary of Delay Tactics:

Insurance adjusters might employ delay tactics to push you into a corner and accept a lower settlement. Having a lawyer on your side can help you identify and counter these strategies.

Be Consistent with Your Statements:

Ensure all your statements about the accident and your injuries are consistent. The insurance adjuster can exploit any inconsistency to devalue your claim. 

Avoid Signing Documents without Legal Advice:

Insurance adjusters might present you with documents to sign that could unknowingly waive your rights or release them from liabilities. Always consult your lawyer before signing any documents.

Remember You Can End the Conversation:

If you’re feeling uncomfortable or pressured during a conversation with an insurance adjuster, remember that you can always end the conversation and consult with your attorney.

Negotiate the Settlement:

Negotiating the settlement offer is an integral part of the claim process. Most initial offers from insurance companies are lower than what you may be entitled to. Your attorney can help you negotiate a settlement that fully covers your losses.

Involve Your Attorney in All Correspondences:

Make sure that your attorney is aware of all correspondence with the insurance adjuster. This ensures that your interests are being represented at all times and that all interactions benefit your case.

Remember, the insurance adjuster works for the insurance company and not you. Having an experienced attorney on your side can make a significant difference in your case and the eventual outcome of your claim.

crutches leaning up against a seat

We Can Help You Through the Claims Process

At the law firm of Cantor Grana Bucker Bucci, we are committed to guiding you through the complexities of the claims process. Our experienced team of attorneys is well-versed in the tactics that insurance companies often use, and we know how to counter them effectively to protect your interests. We understand that the aftermath of an accident can be overwhelming, and our goal is to alleviate that burden by handling all aspects of the claims process on your behalf. We’ll meticulously review every detail of your case to ensure you receive the compensation you rightfully deserve. Don’t face the insurance adjusters alone—we’re here to fight for you. Contact us today to learn more about how we can support you during this challenging time.

What Our Client Say:

"During an extremely emotional time you were understanding, caring, professional, and communicated clearly every step of the way."
Craig and Cassye M.
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"I always felt confident that my case was in the right hands."
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