How To Interact With An Auto Insurance Provider After A Car Accident

Posted on: 20 December 2021

When you are involved in a car accident, you may eventually need to speak with an insurance adjuster. They will want to ask you questions that will allow them to process your claim and determine how much you will be paid for the accident. The insurance adjuster may also look for excuses to reduce your settlement. Therefore, you should prepare yourself for your conversation with the insurance adjuster in various ways.

Give Limited Information

When you are talking to the insurance adjuster, you will want to give very limited information. You will not want to give inaccurate information, but the less information you provide, the less information that could potentially be used against you.

For example, the adjuster might ask you about how the accident happened. However, you are allowed to tell the adjuster at any time that you do not want to discuss the accident until you have spoken with a personal injury lawyer. Also, don't trust the insurance adjuster if they say that you do not need a lawyer.

You will not want to discuss your injuries until it is time to negotiate your settlement. For one, you do not want to discuss your injuries shortly after the accident because you might not think you are injured due to all the adrenaline. You also will not want to talk about your injuries even after you have received medical treatment until you know the full extent of your injuries and whether you will make a full recovery.

Do Not Settle Right Away

The insurance provider might want to settle the claim as quickly as possible. For one, they might want to move the claim off their books. Also, they might believe that they can trick you into accepting a settlement that is much lower than what your case might be worth. A personal injury lawyer will help you determine how much your case should be worth so you can accept the ideal settlement. However, you always have a final say in whether your settlement will be accepted or not.

An attorney is able to handle all communications with the insurance adjuster so you don't have to. Then, you can focus on recovering while your attorney investigates your claim, studies the law, and calculates the damages you have suffered. Then, your attorney will compose a demand letter and send it to the insurance provider. After several back-and-forth negotiations, your attorney will be able to get you the compensation you deserve.

Contact a local personal injury lawyer to learn more.