What To Do When You Are Contacted By an Insurance Adjuster.
The insurance company considers numerous factors when calculating your claim, but there may still be missing pieces in the puzzle. They might reach out to you for verification, and it’s crucial to handle these calls correctly. So, let’s explore what to do when an insurance adjuster contacts you.
You must provide only factual information about the situation, avoiding any mention of fault. Sharing information that could be used against you later in the claims process is a risk you can’t afford. Thus, knowing how to deal with calls from your insurance provider, the at-fault party’s provider, or both is essential.
Understanding Insurance Adjusters and Their Role
Insurance adjusters are individuals tasked with evaluating incoming insurance claims. They review your policy, assess damages, and scrutinize medical records to ensure compliance with your contract’s legal obligations while determining your payout.
Their income is tied to evaluating claims to their company’s standards and maximizing revenue. Your insurance provider may not aim to undermine your contract, but the at-fault party’s provider could try to contact you, hoping you’ll make a slip that devalues or denies your claim.
Remember, insurance adjusters are people, too. While caution is necessary when contacted by them, hostility isn’t. They have a job, just as you do. However, it’s highly recommended to consult a legal expert to navigate these calls without falling victim to deceptive practices after filing your claim.
Proper Communication with an Insurance Adjuster
When an insurance adjuster calls, provide facts and avoid opinions or speculations. Give them only the information they explicitly request, nothing more. If they seek additional details, pausing the conversation until you’ve consulted with your attorney is perfectly fine.
Insurance adjusters often employ tactics to deceive claimants into admitting fault, such as excessive small talk, aggressive pursuit of specific details, asking for speculation, or pressing for information that hasn’t been officially determined. If they ask intrusive questions beyond verifying personal information, you can respond vaguely to safeguard your interests, just as they protect theirs.
What Not to Say to an Insurance Claims Adjuster
Specific topics should be off-limits during these conversations:
Admission of Fault: Avoid giving statements that could be used as an admission of fault. Even simple phrases like “My bad” or “I’m sorry for…” may be turned against you.
Discussion of Injuries: Insurance adjusters might try to extract information about your injuries to devalue your claim. They may inquire about the severity, recovery timeline, or treatment received. Be cautious not to reveal more than necessary.
Permission to Record: When an adjuster requests permission to record the conversation, it’s often not for quality assurance but to potentially use your words against you later. Proceed with caution.
Keep a notepad nearby during the call to jot down essential questions and comments for later reference. This will serve as a record of the conversation and help you provide accurate information to your attorney.
Seek Legal Assistance with Galbreath Law Firm
Navigating the aftermath of an accident can be complex and overwhelming, especially if you lack experience. Having an attorney by your side can ease the process. They understand your situation and can help you recover the compensation you deserve while handling intricate legal details.
Galbreath Law Firm boasts a strong track record of success in various practice areas. Our team is your best choice if you require expert legal assistance following an accident.
Give us contact us at (325) 437-7000.