You were in a car accident. You exchange information with the other guy and you file a claim with both your insurance company and his. Most likely, you will be assigned to an auto insurance adjuster who will contact you to collect more information about the accident. The adjuster will probably ask for pictures of the accident and car damages, a copy of the police report, the contact information of the witnesses, and anything else that they can use to evaluate the situation.
However, you need to know that the auto insurance adjuster is someone that the insurance company hired to analyze the damages from the accident. Is he going to be looking out for your best interest? Would he put you in a fair and unbiased light so you can receive a reasonable settlement for your auto accident?
NO. Essentially, the insurance adjusters, from the other guy’s insurance company, have the task of minimizing the amount of money their companies have to pay. These insurance adjusters will use anything they can get to try to downplay what actually happened so that the insurance company doesn’t have to pay you what you’re entitled to.
So in this tense situation dealing with auto insurance adjusters, what do you do?
Well first off, don’t sign anything on the spot. Most adjusters try to settle cases quickly – before they know the extent of their injuries.
Next, remain calm. After experiencing something as traumatic as a car accident, you’re probably extremely stressed and shaken. But you need to know that insurance adjusters are waiting for you to say something that they can use against you. Maybe you said you were having a bad day on the day of the accident. The adjuster can use that against you, saying that you were more at fault because you were distracted and not focusing on the road.
Make sure you know what to do and what not to do. For more information, read our new ebook The Ultimate Guide to Accident Cases in the DC Metro Area. Download it online to learn the ins and outs on how to handle your accident case and if your injuries are serious and you need a lawyer, how to choose the right lawyer to represent you. Still have questions? Call us today at (202) 393-3320.