No matter how cautious of a driver you happen to be, a collision can still happen at any time. This is why it’s essential to have reliable car insurance. When one of these accidents take place, you will most likely begin receiving calls from one or more insurance adjusters within a matter of days, and how you interact with those individuals could have a major impact on what type of compensation you receive. Here are a few simple tips that will help you deal with claims adjusters so that you are fairly compensated after your accident.
Don’t Speak Directly to an Insurance Adjuster
Insurance adjusters use various tactics to trick you into saying something on the record that can be used against you during the adjustment process. It’s generally recommended that you refer them to your attorney for any statements that need to be made. The buffer between you and the company can alleviate the risk of accidentally saying something that will undermine your claim or impact your adjustment.
Notify Your Own Insurance Company
While every insurance provider is slightly different, most of those companies require their clients to contact them within 24 hours of an accident. During that initial call, you don’t need to tell the company anything more than the basics of the accident. That includes where it took place, who was there, and the contact information for any other drivers that were involved. Once you have given them that information, you can then tell them that your attorney will answer any other questions.
Don’t Settle Immediately
It is an unfortunate fact that many drivers struggle with their finances after auto accidents, and those individuals often settle right away so that they can start paying medical bills and other expenses. While it might be tempting to settle immediately, the initial offer could be very low. Your attorney can negotiate on your behalf so that you don’t have to haggle with multiple parties.
Only Give Them Basic Personal Information
The only information that you are required to give a claims adjuster is your full name, address, and contact number. Some insurance claims adjusters will ask other questions such as a driver’s income or medical history, and that information could be used against them at a later time. Before you give them any personal information, you should also ask for their name, their contact number, and the company that they work for.
One of the biggest mistakes that a driver can make after an auto accident is assuming that their insurance provider is going to fight for them. Claims adjusters want to save their companies as much money as possible, and drivers need to be careful about what they tell those employees.
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