Insurance adjusters often waste no time calling the other party involved in an auto accident with the person the company insures. Unfortunately, they often count on that person to be so rattled from the accident that he or she is willing to answer any question. It is in your best interest not to give a personal statement to the insurance adjuster.
Even if you feel confident that you were the victim in the accident and have nothing to hide, you should still use caution. Anything you say to the insurance adjuster will be recorded and will likely be used in your case.
If you choose a Hancock Law Firm injury lawyer to represent you, we will work directly with the insurance adjuster. Simply refer them to us and we’ll take it from there. If you choose to handle the adjuster on your own, the information that follows will guide you.
Speaking with an Insurance Adjuster
You should always remain calm and polite with the insurance adjuster, even if you suspect that he or she doesn’t have your best interests in mind. It is perfectly acceptable to ask the person to provide his or her name, the name of the insurance company, and the name of the other party involved in your accident.
Provide Only Limited Information
The insurance adjuster may push you to share personal details that make you uncomfortable. The only mandatory information you must provide is your full name, address, and telephone number. Even though you need to act polite and professional, you should balance that with remaining firm and not allowing the adjuster to bully you.
Here are some other useful tips:
- Before the statement begins, ask for a copy. You have the right to have a copy/transcript of any statement you give.
- The other party’s insurance agent may word things in such a way to get you to accept fault. Let him or her know where, when, and how the accident happened without commenting on who was responsible or giving a lot of detail.
- If you are injured, don’t provide details about it. Some injuries don’t surface right away and you don’t want to be accused of embellishing your injuries later.
- Take notes during your conversation, but let the caller know he or she should speak to your own insurance agent or your lawyer in the future.
- Most importantly, don’t automatically accept a settlement from the other driver’s insurance company without negotiation.
Speak to a Personal Injury Attorney as Soon as Possible
Hancock Injury Attorneys represents the interests of victims who have sustained injuries in car accidents. We encourage you to contact us to discuss your personal injury case at no cost to you.