How To Deal With Insurance Adjuster After Car Accident

How To Deal With Insurance Adjuster After Car Accident – Soon after you have been injured in a motor vehicle collision caused by another driver, you will be contacted by a representative of that person’s insurance company (also known as an insurance adjuster). It is important that you understand how to deal with an insurance agent after a car accident. Making mistakes when interacting with the regulator can negatively impact your ability to recover damages.

If you don’t understand how to deal with an insurance agent after a car accident, you may not be able to recover damages to pay for your losses. Consider the following tips when you receive your first call from an insurance adjuster.

How To Deal With Insurance Adjuster After Car Accident

The adjuster can be kind and compassionate, especially if your injuries are severe. But regardless of their tone or attitude, it’s crucial to realize that an insurance agent is loyal to the company they work for.

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If your injuries are serious, the contractor may act like they are sympathetic to gain your trust. On the other hand, the adjuster can be abrupt if your injuries are not so serious as to convince you that your claim is worth less than it is. In either case, be aware that the adjuster’s job is to reduce the amount his or her employer might have to pay for your claim. This means you should take everything he says with a grain of salt and consult with your attorney before acting.

In some cases, adjusters will offer you a settlement shortly after the accident. You should never agree to accept an offer that is made shortly after you have been injured. It is common for insurance companies to offer low quotes to people who have suffered serious injuries in order to reduce the amount they end up having to pay. If you accept a settlement offer, you won’t be able to come back later and ask for more money if you find that your losses were greater than you first thought.

To protect your rights and claim, use any quote you receive from an experienced personal injury attorney. A lawyer can properly evaluate your claim so that you can determine if the offer is really reasonable or if you should negotiate for more money.

Insurance agents often ask injured victims of car accidents to give recorded statements. However, this is not a requirement. The reason insurance companies try to obtain these statements is that they want to try to secure statements that they can use against you in your claim. Preparers are trained to ask questions that may confuse you and lead to unhelpful statements.

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If you are asked to make a statement, politely decline and tell the staff that you want to consult with a personal injury attorney before you are ready to make a statement.

Sometimes adjusters will try to get you to settle as soon as possible. Under Mo. Rev. Stat. § 516.120, the statute of limitations for filing a personal injury claim is five years from the date you were injured ( source ).

Adjusters and insurance companies also can’t simply close your file because you don’t act on the offer they made as quickly as you might like. Insurance regulations prohibit them from doing so. Ignore such threats and talk to an attorney. An attorney can help you determine whether an offer is in your best interest or whether you should negotiate for a higher amount.

Finally, it goes without saying that you should never sign any documents sent to you by an adverse insurance company without first speaking with an attorney. For example, the insurance agent may try to get you to sign a medical release. Companies use this document to search through your entire medical record to try to find some other event that might be responsible for your injuries. You should also not sign any settlement offers or other documents that may be presented to you without consulting your attorney.

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If you are unsure of how to deal with an insurance adjuster after a car accident, consult an experienced personal injury attorney at the Law Offices of Bryan Musgrave for assistance. Our attorneys understand the different types of tactics insurance companies and brokers can use, and we work hard to help our clients protect their rights and obtain the compensation they are entitled to. Contact us today to schedule a consultation. 11 Questions to ask your insurance adjuster. Want to learn how to increase your insurance settlement? We will examine the questions that are real and the actual questions that we ask and teach our case managers and our attorneys to ask the insurance broker when they are preparing to negotiate a claim. Here are 11 questions to ask an insurance adjuster…

We will examine the questions that are real and the actual questions that we ask and teach our case managers and our attorneys to ask the insurance broker when they are preparing to negotiate a claim.

Here are 11 questions to ask your insurance adjuster that will help you maximize the value of your personal injury settlement. https://www.youtube.com/embed/k6NqCOX46ZM?feature=oembedIndex

The number one question to ask your insurance adjuster to maximize your insurance settlement: What are your insurance company’s policy limits?

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Insurance adjusters love it when you don’t ask what the policy limits are because they want you to settle your claim not only for less than your claim is worth, but they want to settle it for less than the policy limits of what they are the insured.

Each insurance company only covers a certain amount when it takes out a policy. And the first question you need to ask yourself is, what is this amount that you will cover?

Another question to ask your insurance agent to maximize your insurance settlement: What is your authority to settle the claim?

No matter what the policy limit is, each insurance adjuster will do a preliminary evaluation of your claim, will talk to their supervisor or responsible people, and will have a limit of authority on what they can settle the claim. So, ask them.

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They probably won’t give you the right answer, but you’ll learn more in the process if you ask them, and the more information you get, the better.

The third question to ask your insurance adjuster to maximize your insurance settlement: Do you agree that the other driver was at fault?

It is important to know. They probably won’t tell you at first, but it’s important from the insurance company’s point of view to know exactly who they think is at fault for the accident, do they think both drivers are at fault?

The fourth question to ask your insurance adjuster to maximize your insurance settlement: How much have you paid for this exact same injury for other claimants before?

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Insurance companies keep flawless records. They keep records of exactly how much they paid for each type of claim, for each type of injury. And so for you, you can ask the insurance adjuster what is it that you paid before for another claim that has the exact same type of injury?

Question number five to ask your insurance adjuster to maximize your insurance settlement: What do you have for the dollar amount of my client’s medical bills?

Medical bills are an economic loss. They have a good number and you probably sent the package and all supporting documents including medical bills before you negotiated.

But just because you sent it there doesn’t mean the insurance attorney will agree with your medical billing number.

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Sometimes they discount it for health insurance or they will discount it because they believe the health care provider will discount it later.

When negotiating, you want to be sure of certain facts that you have agreed upon. So ask the insurance adjuster, “What do you have for my client’s medical bills? “What’s the actual number?”

Question no. 6: Do you agree that my client has a permanent injury and as such do you agree that pain and suffering is an appropriate remedy in this case?

The sixth question to ask an insurance adjuster to maximize the insurance settlement: Do you agree that my client has a permanent injury and as such, do you agree that pain and suffering is an appropriate remedy in this case?

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Thus, Florida, like other states, has what is known as a tort liability threshold. And this means that pain and suffering can only be awarded if there is a permanent injury.

It is very likely that your client has a permanent injury, so ask the insurance attorney, “Are you okay with that?”.

If the answer is yes, then you can fully expect an insurance attorney or insurance adjuster to calculate this into the settlement award.

And if the answer is no,

How To Deal With Insurance Adjusters (after A Car Accident)

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