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5 Arguments an Insurance Adjuster Will Use to Limit Your Car Accident Claim

Adjuster inspecting a wrecked car

When dealing with a personal injury claim, the insurance adjuster is your biggest opponent. If you’re seeking compensation after a car accident, you’ll most likely be dealing with the at-fault driver’s insurance company. Insurance companies hire insurance adjusters to investigate a specific case and determine how much your claim is worth. They work for the insurance company, not you, the accident victim. As you may expect, the insurance adjuster’s goal is to keep the payouts as low as possible and to avoid a lawsuit. Typically, adjusters decide on how much they are actually willing to pay you, to cover your losses.

WARNING: The insurer can use anything you say to them against you in your personal injury case. Even a friendly response such as, “I’m fine Mrs. Smith, how are you?” can appear in a written report as “Victim says she is feeling fine.” Thus, you should ALWAYS consult with a personal injury attorney before speaking with an insurance adjuster.

Here are five arguments an insurance adjuster will use to limit your car accident claim:

Exaggerated Claims

If you are claiming injuries after an accident but did not seek medical attention, then the insurance adjuster may assume that you are exaggerating your claim. While most insurance companies will not ask you to see a doctor to confirm the claim, you should do so. This will tell the adjuster that your injury claim is legitimate. Furthermore, it tells them that you are willing to allow them to “verify” the truthfulness of your personal injury claim.

Not Obeying Traffic Laws

If you were not adhering to the traffic laws, such as not wearing a seat belt at the time of your accident, your claim negotiations will be negatively affected. The claims adjuster will say you were in violation of Florida’s seat belt law and that is what contributed to your injuries.

Providing Insurance Adjuster With Unreliable Information

An insurance company may claim that your memory of times, speeds, and distances is inaccurate, thus bringing your credibility into question. Don’t let an insurance company interrogate you based on your memory of time, speed, and distance. The crash often distorts these details in a victim’s mind due to the psychological trauma. You should always consult with a personal injury attorney if you’re unsure about these details.

Having Existing Mechanical Issues

The insurance adjuster might tell you that the tires were worn; your brakes weren’t working; your tail lights were out; or that your turn signal wasn’t working. In most instances, the only time a defect on your vehicle may affect the value of an injury claim is if it was found to contribute to the cause of the accident.

Suffering From Previous injuries

If you tell them that you have an old back injury from work 20 years ago, then they may try to say this was just an aggravation of an old injury and assign a lesser value to your claim. It won’t matter to an insurance adjuster if your back has been fine for the past 10 years.

Hiring a Personal Injury Attorney to Combat Insurance Adjusters

Unfortunately, when a personal injury claim is presented, the burden is on the injured victim, you, to prove your case. The party allegedly responsible for the injury doesn’t usually have to prove anything at all. That’s why it’s important to consult with an experienced personal injury law firm like Hancock Injury Attorneys. We have fought with insurance companies for decades and we know what it takes to get you a fair settlement. Contact our office today for a free, no-obligation consultation.