If you get into an accident and incur serious injuries because of someone else’s misconduct or negligence, you shall have to reach out to their insurer to attain compensation. The perpetrator’s insurance company will process your personal injury claim and determine its economic value. You might assume that the insurance agents exist to protect you, but reality is that they are only loyal to their employer and are looking out for the company they work for. Acknowledging this concept is crucial because insurance adjusters will attempt to berate and deny a legitimate claim for their own benefit.
The following tips will prepare you to deal with the treachery of personal injury insurance adjusters:
1. Never Plead Guilty
Even if you think that you were partially responsible for the accident, never admit that in front of the insurance adjuster. Refrain from saying anything that makes you look guilty; otherwise you can say goodbye to your chances of acquiring any amount of compensation. Once you accept liability, you are going to lose your right to claim reimbursement of damages.
2. Keep it Short
When communicating with the at-fault party’s insurer, do not say more than necessary. Provide to-the-point and factual answers to all their queries. Never get into details, as it is likely to promote inconsistency in your testimonies. Do not guess or exaggerate any information.
3. Don’t trust them
The insurance agent may appear to be your best friend, but you would be a fool to fall for that act. While they might seem sympathetic, their ultimate goal is to coax you into saying something they can use against you. The only person you can trust in this situation is your lawyer.
4. Keep record of interactions
Keep track of whenever you called the insurance company, who you talked with, and what the conversation was about. These records shall prove to be valuable when someone attempts to contest your claim later.
5. Do not sign the Medical Release form
Signing the medical release form may give unrestricted access to your entire medical history, so beware. The insurance company may relate the accident injuries to previous injuries and health conditions to paint an awful picture. You could be accused of faking the injuries and deceiving the legal system.
6. Don’t be so quick to settle
You should be suspicious if the insurance adjuster is in a hurry to settle the claim. You can bet that they are offering only a small fraction of what your case is actually worth. The intervention of a lawyer is crucial to gain reasonable compensation.
7. Refuse recorded statements
If an insurance adjuster wants to record your conversation, acknowledge it as a trap. The most innocent of statements on your behalf can be twisted to make you look suspicious or malicious. You are not obliged to grant any recorded statement.
8. Choose your own doctor
The insurance company will tell you that you need to see a doctor approved by them; their doctor is likely to be biased, which is not helpful for your case. Typically, you have the right to involve your own doctor, but if they argue, turn to a lawyer for advice.
9. Keep a low profile
Once the personal injury claim is filed, the insurance company will begin looking for contradicting evidence to bring you down. Be careful with what you post on social media, say to strangers, or activities you engage in publicly.
10. Hire a Personal Injury attorney
Hire Personal Injury Attorney in San Antonio, TX, to protect yourself from the antics of an insurance adjuster. They possess the skills and experience to fight for your rights and win you the compensation to deserve. Insurance adjusters are wary of lawyers because they know they cannot take advantage of your situation in their presence.