The best way to deal with insurance companies after an accident is not to deal with them at all. Instead, let your lawyer do the talking. You are required to notify your insurance company about your accident so they can process your claim. After that, it’s to your benefit to have someone who has experience dealing with them hammer out the details of your settlement.
Have you been in an accident and you’re wondering if you should take the adjuster’s calls? Read this article before you accept that claims adjuster’s settlement offer. It could help you get a much larger settlement.
3 Reasons You Should Work With an Injury Lawyer Instead
Instead of working directly with a claims adjuster, he recommends having a personal injury lawyer work with them on your behalf instead. Here are three reasons why.
Claims Adjusters Don’t Work For You
The goal of the claims adjuster is to pay out as little as possible without triggering legal retaliation. Insurance adjusters are paid based on how many cases they can closeout. Thus, they want to get a settlement offer accepted by you as quickly as they can.
That said, they’re not necessarily out to rip you off. There are certain duties you may need to fulfill according to your policy before you can get a settlement offer. Your case can be put at risk if you violate your responsibilities in the policy.
If you have a personal injury lawyer on your side, they can read your policy and ensure that everything is done correctly. A lawyer gives you leverage. They have the experience that it takes to successfully work with claim adjusters.
Injury Lawyers Know the True Value of Your Case
Claims adjusters want to pay you as little as possible. In fact, their insurance company’s profits depend on it. They may try to get you to sign documents that say you’ll accept an offer. Never sign anything that is offered by an insurance company that’s not your own without talking with a lawyer first.
A lawyer can challenge the insurance adjusters’ settlement offer and help you gather documentation to support the amount you think is fair. The full extent of your injuries might not become apparent until months after an accident. Should you accept a claim too early, you’ll be responsible for those extra costs. An attorney can help ensure that doesn’t happen.
Gathering evidence and negotiating with the claims adjuster might seem like a waste of time when you’ve got bills to pay, but there’s an important point to it. It shows that you’re not backing down and that you’ll have evidence in your corner should the case go to trial. This can open the purse strings of an insurance provider. Visit SevenishLaw.com to learn more about the types of evidence you’ll need to prove your claim.
You’ll Avoid Dirty Tricks
Insurance companies always know there’s a risk of a lawsuit with every claim. They’ll try to take steps so you’ll waive your right to a trial or to get evidence that’s incriminatory so you’ll lose your case. For instance, they may want you to sign a medical release so they can get access to your medical records.
On the surface, it seems reasonable that they’d ask for your records, but they won’t stop with just the records of your accident. They’ll also dig through your past medical records for anything they can use to justify giving you less money.
Insurance adjusters may also ask for a recorded statement from you about the incident. This also seems reasonable, but if you don’t have a lawyer, they could mislead you into saying something that won’t help your case. Other tactics they may use include:
- Claiming you were partially at fault for the accident
- Pushing you to accept a speedy settlement
- Discounting medical bills and expenses
Without a lawyer, you’ll have no idea whether the claims of the insurance company are true or not. They’re counting on you not knowing what a fair settlement is for your injuries and getting you to accept an offer before you look at it too closely.
You have the right to have a lawyer examine any settlement offer before you accept it. It’s well worth your time, and don’t let any claims adjusters tell you otherwise.