After an accident, there are many people you will have to talk to. This includes the police, medical personnel, your insurance agent, and the insurance adjuster. There are important things you should know about talking to each of these people. First, here are three important tips you should keep in mind when talking with the insurance adjuster.
The insurance adjuster works for the insurance company, not for you. One of the mistakes many people make when talking to the adjuster is assuming that he or she is on your side. This, unfortunately, is not the case. Insurance adjusters are hired by, and work for, insurance companies. Keep in mind that, yes you do pay the insurance company money to insure you, but the insurance company doesn’t really work for you, the company works for its shareholders. That means the adjuster works for the shareholders too. Keep this in mind when you are talking to the adjuster, he or she doesn’t work for you.
Because of this, the adjuster’s job is to save money whenever possible. If he pays on insurance claims, it’s money leaving the insurance company. So, his job is to find ways not to pay, or not to pay as much. One way he or she will try to do this is to get you to say things that make it seem like you were at fault for the accident that caused your injury or that you could have somehow avoided the accident. The adjuster is likely to ask questions like, what could you have done to avoid the accident? It seems clear that this is leading you to say you were at fault when you see it here, but it is much harder to avoid answering this question properly when the adjuster is there asking it. This tip then is to be very, very careful of what you say to the adjuster.
Protect yourself. The best way to protect yourself and get the money you deserve is to hire a professional who knows how to talk to insurance companies and insurance adjusters. The best person for this job is a lawyer. Lawyers who work with personal injury cases are pros at talking to insurance people and getting their clients the compensation they deserve.
Always keep in mind that insurance companies don’t want to pay you if they can avoid it. If they can’t, they want to pay as little as possible, so be prepared to protect yourself.