Dealing with an insurance company after being in an accident can be emotionally draining. In the event of a car accident, knowing how to terrify insurance adjusters is critical to getting a reasonable claim settlement offer.
It’s crucial to keep in mind that insurance firms are still in business to make money. They are for-profit businesses, which means that the more money they have to pay out, the less money they will make. They make every effort to save money and resolve issues swiftly.
Our vehicle accident lawyers have years of expertise providing legal assistance in these types of matters, so we know how insurance adjusters work and how the claims process works.
Having an attorney on your side to fight for you is the best method to terrify insurance providers or adjusters. You should not accept anything less than the best.
Understanding What Insurance Adjusters Do After an accident, insurance adjusters will investigate and analyze your damage. Keep in mind that insurance firms do not have your best interests at heart. They’ll assess the damage to determine if there’s any way to cut expenditures. They’re attempting to offer the smallest possible compensation.
How to make an insurance adjuster scared
When you first meet with an insurance claims adjuster, you might be astonished at how they try to blame you for the accident or even accuse you of insurance fraud. These are some of the most prevalent strategies for determining the full extent of your injuries (while still making a profit):
You do not have to allow insurance adjusters access to your medical records if you request them. They frequently have access to prior and current medical records thanks to medical treatment release forms. These records may include items unrelated to your personal injury claim. They may try to blame your current injury on a completely unrelated pre-existing condition or injury if you allow them this access.
Working with Doctors: Your doctor may be interviewed by an insurance agent who will ask you closed-ended questions. Your doctor must discuss your condition in detail with you. This will prevent you from inadvertently downplaying your injuries. Insurance firms may also undertake a medical examination on their own. This will take place with a physician of their choice. If your insurance company makes this request, speak with your personal injury lawyer first.
Interviews in the Field: Insurance adjusters will ask you closed-ended questions early on in your personal injury case. These inquiries are designed to prevent you from elaborating and to aid them in concluding that your story is flawed. This can help you save money on your insurance claim.
Delay tactics: An adjuster will frequently utilize delay tactics such as not returning your calls. They do this in an attempt to persuade you to give up. They can even allege that you took too long. This is a fear tactic to make you believe you’ve passed the statute of limitations. In Florida, the statute of limitations for car accidents is four years. If they are delaying contact, hiring an attorney is the best method to fight back.
What to Watch Out For When Calling
When the insurance company calls you right after an accident, you should always be cautious. Accidents are traumatic, and processing and recovering from them takes time.
The majority of insurance adjusters take advantage of this by calling you as soon as possible following the accident.
If you’re on the phone, politely decline to discuss the facts. You can submit the essentials, such as the location and time of the collision, as well as the vehicles involved. However, you should inform them that the investigation is still ongoing. Don’t say anything that’s overly personal or conversational.
Insurance company claims adjusters may ask you to give a recorded statement when they call. While you may believe this is harmless and only for educational purposes, keep in mind that adjusters have the ability to use anything against you. It’s very uncommon for the agents to go over the recorded statements again and again until they find anything new to use against you.
Do not agree to any statements that have been recorded.
What You Shouldn’t Say to a Claims Adjuster
Keep in mind that the insurance claim adjuster works for the at-fault party’s insurance company. They will do everything possible to decrease the amount of money you will receive as a settlement following your injury. They accomplish this by attempting to persuade you to accept some responsibility.
If someone asks if there was anything you could have done to avert the accident, don’t say anything. They might inquire as to whether there was anything extra you could have done. External elements, such as the weather, may also be cited.
Directing an insurance adjuster to your attorney is the best method to address this. They won’t be able to use anything you say against you this way.
Be Wary of What You Post on Social Media Insurance adjusters may also be watching your public social media profiles. Even if the photo is an old favorite, don’t put it on the internet. After an accident, be cautious about posting anything to Facebook, Twitter, or Instagram that can make it appear as if you are not hurt.
Insurance adjusters may even be stationed in front of your house to keep an eye on you. They may occasionally engage a private investigator. It’s important to remember to take it easy while you’re recovering. Don’t be scared to seek assistance from family and friends. Even if it’s just getting the mail, they could use it to claim that your injuries aren’t serious.
How to Deal with Insurance Claims Adjusters
Before you begin the negotiation process, you should be aware of a few key elements. To begin, determine whether you are working with first-party or third-party benefits.
Your auto insurance covers first-party benefits. The insurance company that insures the person who hit you is responsible for third-party benefits.
Knowing the value of your vehicle might also be beneficial. Claims adjusters will figure out how much your car will cost to fix. Knowing the true value of your car, on the other hand, can help you negotiate a more reasonable claim.
The first offer from an insurance company will almost certainly be incredibly low. This original offer should not be accepted. Keep the following elements in mind when negotiating.
The genuine market worth of your vehicle
A reasonable settlement for damages to your car or other property.
Medical fees, both for the immediate aftermath of the event and for future medical expenses
Accident-related pain and suffering
Lost wages or income as a result of your injuries preventing you from working.
These considerations should be used to establish the absolute bare minimum you are willing to accept in a settlement agreement. Our personal injury lawyers can assist you in determining what your bare minimum compensation should be.