If you have been injured in an accident caused by another person, you may want to pursue monetary compensation from them to cover all your damages including medical expenses and lost wages. Once the insurance company of the at-fault party has been notified about your personal injury claim, they will send out an insurance claims adjuster to handle your claim. The adjuster will investigate your claim and determine the possible liability of their company. You can expect them to act friendly, but you must not assume they are about your situation.
Insurance adjusters are usually concerned only about the best interest of their employer. They are trained to initiate casual conversations with claimants to try to get them to make damaging statements regarding their cases. So, if you are injured in Cedar Rapids and want to get maximum compensation from an insurance company, let a personal injury lawyer handle talks with the adjuster.
Things You Can Say to a Claims Adjuster
Saying anything to the adjuster or anyone else is not a good idea if you already have an attorney working on your claim. You can just refer any of these parties to your attorney. But if you still do not have a lawyer, you can provide the adjuster with your basic information like your name, contact number, and address. Avoid giving additional personal information like your employment status. In addition, limit the details you share regarding your accident. You can tell them the time, date, and location of the accident along with the contact information of possible witnesses. Never discuss how you think the accident took place. And don’t give the adjuster a written or recorded statement regarding the accident, no matter how persistent they are.
What Claims Adjusters Look For
Insurance claims adjusters perform investigations on an accident to determine the amount their company may need to pay to resolve a claim. They will find reasons to minimize your claim’s value. They want to ensure a claim is valid. Often, they will physically inspect the accident scene. Also, the adjuster will learn more about your medical history and get in touch with your doctors to gauge your medical care costs and determine any previous injuries that can be used for reducing your current claim. After their investigations, the adjuster will come up with a figure to offer as a settlement to your claim. Unfortunately, this amount will be way lower than what you deserve for your injuries.