Tips for Dealing with an Insurance Claims Adjuster
- October 15, 2014
- Car Accidents
When a Dallas car accident results in injury, the injured person will need to file an insurance claim to receive compensation. When a person files a claim for a car accident injury, the insurance company will have a protocol for how the claim is to be handled. A major part of this process will be assigning the case to a claims adjuster, whose responsibility it is to investigate the claim and to make recommendations to the insurer in regard to how the case should be settled. Dealing with an insurance claims adjuster can be tricky. One of the adjuster’s key goals is to limit the amount of money that the company has to pay and in many cases, they will try to discourage claimants from hiring a Dallas car accident attorney.
The first thing to remember about an insurance adjuster is that they are an employee of the insurance company and that their only obligation is to their boss. The claims adjuster is almost always going to try to address the claimant in a way that makes it seem like they are there to help and that they are the final authority when it comes to evaluating and settling the claim. While the claimant should be courteous and friendly with the adjuster, they also need to be assertive and persistent when it comes to their rights and interests.
Watch what you Say
The first tip for dealing with an adjuster is to watch what you say and under what conditions that you say it. The insurance adjuster will be looking for ways to deny the claim or to limit the liability of their employer and one of their best weapons can often be statements made by the claimant. You want to be honest and forthcoming, but you don’t want to say anything that could jeopardize the claim. You should also know that you do not have to submit to a recorded statement. If the adjuster insists on recording you, you should seek counsel from an injury lawyer and refer the adjuster to your representation.
You also want to be prepared for your interactions with the adjuster. The adjuster is very likely to make claims about the situation and the value of the damages to downplay the injuries or imply that some fault rests with the injured party. Chances are that not all of these claims will be completely accurate and you want to have information at hand to demonstrate your side of the claim. Try to keep all of the documentation organized and ready for when these interactions occur.
Beware of Delays and Quick Settlements
Claimants should also know that there are tactics that insurance companies attempt to use as a means of manipulating the claimant. Two of the most common tactics include delaying the settlement or trying to force the claimant to settle quickly. Even though both of these tactics seem to be opposites, they are both intended to get the claimant to settle for a lower figure. If the insurance adjuster is trying to force a quick settlement or it seems like they are trying to put the settlement off, these are clear signs that it is time to consult with a Dallas car accident lawyer.