If you get injured in an accident that was not your fault, you will likely hear from an insurance adjuster representing the at-fault party. They may seem friendly, but it is important to be cautious when speaking to them.
There are a few things to keep in mind before that adjuster calls.
Avoid giving a recorded statement
Insurance adjusters often ask if they can record your statement about the accident. While you may feel pressure to cooperate, providing a recorded statement can hurt your claim. Adjusters use these statements to limit the at-fault party’s liability. It is best not to provide one until you have had time to recover and can think clearly.
Resist the urge to accept an early settlement
After an accident, you may have significant medical bills, lost wages and pain and suffering. The insurance adjuster may offer a quick settlement, but it likely will not fully cover your losses. Settlement amounts are usually higher when you know the full extent of damages. Even if you are eager to resolve the case, make sure you get a fair, equitable settlement for your injuries.
Watch what you say
Insurance adjusters can use anything you say to them against you. Avoid speculating about what happened or accepting blame. Stick to only the facts you can verify. Do not downplay your injuries or fail to mention any medical treatment you may need. This could lower any future settlement.
When an adjuster calls after your accident, be mindful of the role that they play. When you remember that they represent the other party and do not have your best interests in mind, it is easier to avoid potentially costly mistakes.