When you have been involved in a motor vehicle accident, it is likely that you will begin to receive phone calls from an insurance adjuster representing the other party. They will wish to discuss the accident with you. It is important that you understand just what to say and do.
- Know Who You’re Talking To
It is really important to know whom you are speaking with before you get into any type of discussion. Be sure to obtain their name, telephone number, and address, as well as the name of the insurance company that they work for, and the name of the insured individual that his or her company is representing.
- Say ‘No’ to Recorded Statements
Often times an adjuster will want to obtain a recorded statement from you. They may ask if they can record the conversation and may even spin it to say that they want to do so to protect your interests. However, what you say – or don’t say – could end up being used against you. Although you may feel pressured, you are never obligated to agree to have your conversation recorded. Without your permission, the adjuster does not have the right to record you.
- Limit Details
When discussing your accident with an adjuster, it is imperative that you set clear boundaries for what you will and will not be sharing. When it comes to the accident, only agree to share the most basic facts. As for your injuries, it is best to wait to give a detailed description, as you may discover something new going forward or an injury may become worse than you think. You should not discuss your injuries, condition, or recovery with the adjuster. DO NOT sign any type of authorization. Additionally, you should NEVER discuss your medical expenses, health insurance, or any other means you have to pay your medical bills.
- Don’t Settle Right Away
You may want the whole accident and surrounding annoyances to just go away altogether. Insurance adjusters are aware of this and will sometimes attempt to offer you a settlement very quickly. You should never attempt to settle your case before the full extent of your injuries and recovery is known. Once you have settled your case, you can no longer receive any further compensation from the insurance company.
- Hire a Personal Injury Attorney
When you are in an accident and must deal with an insurance company, it is very difficult, if not impossible, to anticipate all of the issues that can arise. Unfortunately, insurance companies are aware of your vulnerable position and may attempt to take advantage of you. They may fail to inform you of your rights and may neglect your interests. Remember, the insurance company has no obligation to protect you. The adjuster works for the insurance company. By hiring a qualified personal injury attorney you will receive help to get the compensation you deserve.
An Experienced Car Accident Attorney Can Help
If you or a loved one has been injured in an accident, it can result in very serious consequences. Our experienced Car Accident Attorneys at Daggett Shuler understand the serious nature of such an accident and know how to best deal with insurance adjusters. We want to help you to move forward. Contact us at 336-724-1234.
Daggett Shuler Law – You Can Depend on Us