Five Things To Steer Clear Of When Speaking With A Claims Adjuster

Five Things To Steer Clear Of When Speaking With A Claims Adjuster

Being in a car accident often sets off a chain reaction of issues you have to deal with. At the scene, you’ll give an account of the incident to the police officer who will make a report. You need to contact your insurance company and the other driver’s insurance company. You also need to speak with a lawyer about your case. Finally, you may have injuries to take care of, and your medical bills can start to pile up.

In the midst of all the chaos, you could receive a call from a claims adjuster. If the other driver was at fault, you’ll be dealing with the claims adjuster for his or her auto insurance company. The adjuster’s job is to collect evidence that shows the insured held as little responsibility as possible. While it may not seem fair, the adjuster could use your own words against you, which is why you should steer clear of the following five things while discussing your accident.

Admitting You Were at Fault

The insurance adjuster is trying to put the blame on you, so you should never give him or her that satisfaction. Don’t act apologetic, don’t admit you were at fault, and don’t state you may have played a part in the accident. Even if you feel you carried some of the blame, there are often other issues at play that you don’t realize and you shouldn’t incriminate yourself.

Giving Details About Your Injuries

You are under no obligation to explain any details about your injuries. There’s a chance you don’t have a full diagnosis yet and will understate the severity of your injuries. The insurance adjuster will take that information and run with it. Wait until the full extent of your injuries are known, then consult with a lawyer about how much you should tell the adjuster.

Speculating About Fault

You don’t have to give answers to all the questions an insurance adjuster will ask. If he or she asks you to speculate about fault, politely state you wish not to. Adjusters often use speculative statements as evidence your story has changed, even when it hasn’t.

Recording a Statement

You have every right to refuse a recorded statement for the claims adjuster. If your story changes, even in the most minor way, that statement could be pulled out and used against you.

Saying You’ll Accept an Offer

In many cases, the first offer is a low-ball offer, with the insurance company trying to save themselves as much as possible. Always speak with a lawyer about your case before you accept any offer from the insurer.

Getting Started with Representation

Car accident cases can get messy, especially if you’re unsure what your rights are.