Tips to Deal with Your Car Accident Adjusters
Mar 24, 2021 02:20 PM EDT
In the car insurance advertisements, we often see how friendly and helpful the insurance companies are. However, the actual picture is exactly the opposite. If you have recently experienced a car wreck, your next task is to get ready for dealing with the insurance adjusters. This is not easy because the job of these adjusters is all about ensuring that you receive the lowest possible settlement amount.
What is the Job of an Adjuster?
It is no secret that insurance companies are always looking for excuses for not paying their clients readily and fully, whenever a claim is made by them. They tend to underpay, delay, and even deny their customers in order to make more money. In this entire process, insurance adjusters play an important role. The job of the claim adjusters is to evaluate the insurance claims to determine liability. They perform their job by carrying out investigations by compiling evidence from different sources, reviewing police reports, and consulting with witnesses. Unfortunately, however, adjusters are generally found to be more focused on downplaying or minimizing the injuries of the victims or even presenting them as being unrelated to the crash. In addition to reducing claim payments, avoiding expensive lawsuits is another high-priority task for the adjusters. Their job is to ensure that most of the claims are settled out of court.
Why is an Adjuster Not Your Friend?
As already discussed, an adjuster's job is to maximize the insurance company's earnings by minimizing your claim payment. They often accomplish this objective by offering a settlement amount that is far below the victim's entitlement. Needless to mention, such offers should never be accepted.
Also, please remember that the adjuster entrusted with your claim may not be an employee of your insurance company. In most instances, insurance claims are made against the at-fault driver's insurance company. If you have been harmed by a bad driver, that driver's insurer will be held responsible for the claim. However, if the driver doesn't have auto liability insurance, one can make an injury claim to his or her own insurance company provided he or she has uninsured motorists coverage. Even then, however, insurance adjusters will leave no stone unturned to delay, deny, or underpay for the claims.
Dealing with Insurance Adjusters:
According to Corpus Christi Personal Injury Lawyer Alex R. Hernandez Jr. PLLC Attorneys at Law, certain tactics must be used while dealing with adjusters. The most important of these strategies is to avoid making any recorded statements that the insurer may use against you in the future. The best approach is not providing any information to the adjusters beyond the preliminary facts related to the claim. When you receive the first call from an adjuster, regardless of what he or she says, there is no need to make a statement.
A Personal Injury Attorney Can Help:
An experienced personal attorney is well acquainted with the tricks played by the insurance adjusters. They have a clear idea about what should and should not be said to them and how to protect the legal rights of an accident victim by ensuring full settlements for them.
Alex R. Hernandez Jr. PLLC Attorneys at Law has years of experience in negotiating with adjusters and getting the best settlement possible for accident victims. If required, they can also file a car accident lawsuit for its clients.