Dealing with insurance companies is a task nobody wants, ever. Unfortunately, after a car accident the frustrating experience of talking to an insurance adjuster is virtually certain. According to Esurance, 77% of all drivers have been in at least one car accident. Inevitably, almost all of us will file an auto accident claim at some point in our life. 

After reporting a claim, you will eventually speak with an insurance claims adjuster to evaluate your claim. Part of that evaluation involves looking for reasons to deny or devalue your claim. You may even speak with adjusters for your insurance and the other driver’s insurance. 

Speaking with an insurance claims adjuster can be an uncomfortable and sometimes hostile experience. The insurance company does not want to pay on your claim. The adjuster’s job is to evaluate or “adjust” the claim to reduce the insurance company’s financial responsibility under the policy. The information obtained by the adjuster will determine the claim evaluation. What you say and how you say it can have a big impact on the outcome of your claim.

Don't agree to send a demand letter or settle your case without talking to an experienced personal injury attorney

Another tool adjusters use to devalue your insurance claim is to settle your case as quickly as possible and convince you not to hire an attorney. Insurance companies know it is highly likely they can settle your claim for substantially less without an attorney. By settling your case quickly, they can settle before you discover the extent of your injuries and your full medical bills. Once you settle your case, you’re stuck with the settlement.

Hiring an experienced personal injury attorney prevents adjusters from taking advantage of you. Your attorney will advise you of the appropriate time to send a demand letter and negotiate settlement. 

Read the full article:


Recognize 360 Views