After you’re involved in a car accident, you’ll more than likely be contacted by an insurance adjuster. This individual will be looking for any evidence to lessen the responsibility of the at-fault party, which will ultimately lessen the payout by the insurance company. Adjusters are essentially looking out for their own insurance company, so it’s important that you are careful with what you say to them.
Ask for Contact Information
Before you say anything else, be sure you get the name and contact information of the person you are speaking with. You should get the phone number, address, name of the insurance company, and name of the party he or she represents.
Give Contact Information
It’s ok for you to give your own contact information to the insurance adjuster. This might include your full name, phone number, and address. Beyond that, you don’t have to give any other information. If the individual asks for your salary, your work schedule, or any similar information, there’s no reason you have to comply. You could give basic information about where you work, but you shouldn’t go any further than that.
Hold Back About the Accident
You are under no obligation to give an insurance adjuster your detailed account of the accident you were involved in. It’s fine to say when and where it occurred, as well as which vehicles were involved or the names of witnesses, but beyond that information, you should refrain from talking to them. Let the adjuster know your investigation is still pending and that your lawyer will get in touch later to discuss the details. After you have had a chance to investigate the details yourself, you’ll send a demand letter for personal injury.
You should also avoid giving information about the injuries from your accident. You may forget to include some information, or you may not know the extent of your injuries quite yet. It’s fine to just say you’re still in treatment and will have your lawyer contact them at a later time.
An insurance adjuster wants to get the case over with as soon as possible. His or her job is to determine how much you should be entitled to, and will often lowball the estimate to make you a quick offer. Don’t settle on that offer. Instead, let the adjuster know you’ll speak with an attorney about it and respond with an answer later.
Contact Your Lawyer
Be careful not to fall into the trap of saying the wrong thing to an insurance adjuster. Contact a car accident lawyer, like a car accident lawyer in Naperville, IL, to learn what you should and should not say, or to get started with your case.
Thanks to The Law Offices of Konrad Sherinian for their insight into what to say when an insurance adjuster contacts you after an accident.