3 Tips for Dealing with Insurance Companies After an Accident
Don’t Trust the Insurance Companies – Don’t Trust the Insurance Companies – Don’t Trust the Insurance Companies
Yup, you guessed it. Those are the three pieces of advice we’re going to offer you. Why? Because your own insurance and the other party’s insurance are most like both for-profit companies. That means this: they’re looking out for their own bottom line. They’re looking out for their own pockets. Their own profits. This is why you need to be careful about communicating directly with your insurance company after an accident.
They certainly don’t care about you. They’re there to make money. They employ certain tricks that are very subtle, that to you may just seem like basic information like the sun was shining, the roads were red. I reached down to turn on the radio. Or you try to start guessing how fast you’re going at the time of the accident. All these things may just seem like basic information to you, but they also may come back to haunt you down the road with a lower offer.
What’s an Insurance Adjuster?
During the process of settling with an insurance company, you will engage in negotiations with an insurance adjuster, claims specialist, or claims representative.
While the majority of insurance adjusters are employed directly by the insurance company, it is not uncommon to encounter independent claims adjusters. This situation often arises when an accident occurs in an area where the insurance company lacks a local office and thus requires the services of a local team to manage the case on their behalf.
What does an Adjuster do after a car accident?
The primary objective of an insurance adjuster is to expedite the resolution of your case with utmost efficiency, aiming to minimize the company’s expenditure. These professionals often operate under a monthly quota of cases to resolve, while the company keeps a close eye on the funds disbursed through settlement agreements.
Typically, an insurance adjuster has a predetermined monetary threshold for approving settlements. Any amount exceeding this limit necessitates supervisor authorization, which they are often hesitant to obtain.
Look, insurance adjusters and companies spend millions of dollars to train their employees to get the right information out of you. Don’t go at this alone. That’s why we always suggest you call a personal injury attorney right away if you’ve been in an accident.
How to win against an Insurance Adjuster:
If an attorney ever promises they can win your claim in x amount of time, you should take that with a grain of salt. Personal injury claims can take some time to settle. But, there’s ways to expedite the process. Here’s some advice:
- Take plenty of pictures. Be detailed. To ensure a strong case and establish a favorable timeline of events, it is essential to capture ample photographs and keep a record of details immediately after the incident. Having comprehensive and detailed documentation plays a vital role in substantiating the facts of the case.
- Hiring an attorney with experience. An inexperienced attorney might be more likely to ‘drop-the-ball.’ With the right personal injury attorney by your side you can be sure that all the communication will be timely and they can push to settle quickly and effectively. And, if required: file for litigation.
