The prospect of having to deal with an insurance adjuster after your accident as you seek monetary compensation for your losses can be intimidating. You might have heard insurance claim horror stories or simply feel overwhelmed by all that you need to do as a claimant. As with any other unfamiliar or complex process like this, you can make it much easier for yourself by doing some mental preparation beforehand and knowing how to handle any issues that arise. Also, giving a Memphis Injury Lawyer a call will help ease the pain of going to an insurance adjuster.
What Insurance Adjusters Do
An insurance adjuster’s job is to evaluate claims made to their companies and determine appropriate settlement amounts for the claimants. This is their primary job. Within this role, an adjuster uses his or her knowledge of a company’s policies and evaluation of each individual claim to advise the company regarding its liability to the damage and work with claimants to negotiate and settle their claims.
As a claimant, remember – the insurance adjuster handling your case works for the insurance provider, not for you. As such, he or she will attempt to close your claim with the lowest reasonable settlement amount that you will accept.
You are Bound by What you Say in your Statement
When you make a recorded statement to an insurance adjuster, what you say goes on the official record. Your statement will be used in your claim’s investigation and, if it is not worded carefully, can potentially harm your claim. Although you might be pressured to give a statement over the phone, do not give a statement until you have discussed it thoroughly with your attorney and have rehearsed what you plan to say.
Have your Materials On Hand
When you speak with an insurance adjuster, it is important that you have the following documents close by because you will need to refer to them:
- Invoices for any repairs done to your vehicle if you are seeking this type of claim;
- Your medical bills and documentation of your treatment costs;
- Proof of your lost wages; and
- Estimates of any other expenses caused by the accident.
Take your time when dealing with an insurance adjuster and allow your attorney to direct your interactions with him or her. By communicating that you are willing to negotiate until you receive an appropriate settlement, rather than simply accept the first amount you are offered, you are showing that you are serious about your claim and that you truly need all of the money you are seeking. Do not rush through the claims process – it can take time, sometimes even months or years, to reach a resolution.