How to Handle a Call with an Insurance Adjuster
Once you have notified the responsible parties that you have been injured in the accident they caused, you should expect a call from their insurance carrier. The initial conversation with the insurance adjuster can impact the outcome of your personal injury claim. Knowing what to expect and having tips about how to respond to the adjuster can help guide you in the claim process.
The main reason for this first call from the at-fault party’s insurance adjuster is to get you to offer negative information to either hold you liable for the collision or to undermine the full value of your claim for your injuries.
The best advice is to avoid talking to insurance adjusters and defer all calls to your attained experienced accident attorney. However, you may get the call before you have an opportunity to hire an attorney. As such, it is important to know how to handle the first call from the adjuster.
Tips to Avoid a Disaster During the First Call with the Adjuster
Below are some tips you can use to keep the first conversation with the other party’s insurance adjuster short and simple:
- Identify who you are speaking with. Before you discuss anything, you should get the contact information for the adjuster (i.e. name, telephone number, name of insurance carrier, etc.) and put it in your file.
- Be calm and polite. One of the jobs of an insurance adjuster is to size you up and inform their supervisor as to what kind of an impression you would make if the case was to go to trial. As such, it is important to remain calm and polite. Coming across as nice may even put you on the adjuster’s good side during the negotiation process.
- Do not give too much information. You should only offer the adjuster limited personal information, such as your full name, address and telephone number. During the initial conversation you do not need to explain or discuss any more than that.
- Do not give details of the accident to the insurance adjuster. The other party’s insurance adjuster may try to get you to give a statement about how the crash happened. This may even be done more subtly through an “informal” conversation that hints at you giving them details about the accident. It is important that you avoid offering this information at all costs. You can simply tell the adjuster that you will discuss the facts further “at the appropriate time.”
- Do not give details of your injuries. Do not limit yourself as to the exact injuries you are suffering. During this initial conversation you will most likely not be aware of the full extent of your injuries. You simply need to inform the adjuster that you are injured and will provide them the details when you know the true extent of your injuries and treatment.
If you or a loved one have been injured in an accident caused by the negligence of another party, you should discuss your legal options with an attorney as you may be entitled to compensation. The attorneys at the Law Offices of Samer Habbas & Associates have achieved over $140 million for their clients so far. For more information or to schedule a FREE consultation with one of the attorneys, call 949-727-9300.