How to Handle Insurance Adjusters After an Accident
Dealing with insurance adjusters after a car accident can be a challenging and stressful process. Your insurance company may claim to be on your side, but unfortunately, they’re only looking to make a profit. If the accident was the other driver’s fault, their insurance company may contact you and attempt to hold what you say against you to minimize your claim. Here’s how to handle this:
Take notes. Document the adjuster’s name, contact information, and the company they represent.
Be cautious with information. Limit the information you provide to basic details such as your name, contact information, and the accident’s date, time, and location.
Do not admit fault. Avoid discussing responsibility or accepting blame for the accident. Let the insurance companies and law enforcement determine liability.
Do not provide recorded statements. Politely decline to give a recorded statement until you’ve consulted with your insurance company or legal counsel.
Stay calm. Keep your interactions professional and avoid getting emotional or confrontational. This could damage your claim.
Provide evidence. Collect and preserve evidence from the accident scene, such as photos of the damage, accident location, and the other vehicle. Also, gather witness contact information if possible. Have it ready to present to the adjuster.
Keep records. Maintain a file containing all accident-related documents, such as police reports, medical bills, repair estimates, and correspondence with insurance adjusters.
Review your policy. Familiarize yourself with your own insurance policy to understand your coverage and responsibilities. This can be helpful when communicating with your insurance company.
Consider your settlement options. The other driver’s insurance company may offer a settlement right away. Be cautious and ensure any offer adequately covers your medical bills, property damage, lost wages, and pain and suffering.
Be patient. The claims process can take time. Be prepared for delays, negotiations, and the need for thorough documentation.
Follow up. If the process becomes protracted or issues arise, don’t hesitate to follow up with your insurance company, and consider discussing your concerns with your attorney if you have one.
Consult an attorney. If you sustained serious injuries or are dealing with a complex claim, consulting an attorney specializing in personal injury or car accident cases can help ensure that you receive the full scope of the compensation you’re entitled to by law. They can help protect your rights and guide you through the process.
Compassionate Car Accident Attorneys in Kansas City, MO
A car accident can turn your life upside down in an instant. It could leave you unsure where to turn for help. Insurance companies may claim to be there for you, but unfortunately, they only look after themselves. At The Goss Law Firm, we are in your corner and will work hard to protect and defend your rights after being injured in an accident through no fault of your own. Speak with us for free today. We won’t get paid until you do,
Contact us today by submitting the form below or calling our office at 816-888-5000 for a free consultation.
