The Job Of The Car Accident Insurance Adjuster Is To Pay You As Little As Possible
If you've never been in a serious car acciddent before it's important that you know the stakes are much higher than they were for any other fender bender or minor car accident you've had. Depending on the seriousness of your accident and the amount the insurance company might have to pay, the adjuster will be working overtime to find ways to pay you less.
How Will My Car Insurance Adjuster Get to Pay Me Less in DC, Maryland, and Virginia?
If you've been in a serious car or truck accident, there are two tried and true methods the insurance adjuster will use to put you in a position to get less compensation.
They will ask you for a recorded statement. The adjuster may tell you that they just want to get a record of the facts of the accident, but the truth is that giving a recorded statement will never help your case. First of all, the insurance adjuster will probably ask for the recorded statement right after the accident happened. They may even follow you to the hospital to take your statement. They understand that you will be a lot more vulnerable and likely to say the wrong thing right after you've been injured in an accident. You may be worried about your health, your income, your car, and a bunch of other things. You may even be on pain medication or sedated. This is not the time to go on record with the insurance company. In fact, we tell our clients that if an insurance adjuster ever asks for a recorded statement, just politely tell them "no."
The facts of the accident will be reflected in the police report and the medical records. That's why you should never give a recorded statement - your case depends on the police report and the medical records. You have to focus on making your own case. Don't help the insurance company make theirs. If you have a car accident lawyer on your case like the experienced accident lawyers at Donahoe Kearney, your attorney will be able to guide you through every step so you protect yourself against the insurance company, and force the insurance adjuster to make their case without your help while guiding you through the steps to make your own case. Our accident lawyers will make sure you succeed in your car accident claim in getting your medical treatment paid for and lost wages covered for as long as you are in recovery.
They will ask you for a medical records release to pull your entire medical history. The car insurance adjuster may tell you that they are going to use the records release to pull the medical records related to the accident, but the truth is that if you signed a release without specifying dates, they can pull your entire medical history. Before you know it, they will be asking you questions about the time you broke your arm in the fourth grade, or injured your back in high school sports. These injuries are not pertinent to your car accident insurance claim, but that won't stop your insurance adjuster from making a bunch of noise about your pre-existing conditions and how they should not be liable for previous injuries. Don't give the insurance company the opportunity to muddy the waters. If they ask you to sign a medical records release, just politely say "no." An experienced car accident lawyer will take care of the medical records aspect of your case, as well as corresponding with the adjuster. That way you can simply focus on getting better.
So What Should I Do If I'm In A Car Accident?
If you've been in a serious accident where you had to go to the emergency room, the first thing you should do is contact a car accident lawyer. It's much better to contact a car accident lawyer right away and make sure you are protected than to get into a situation down the road where you find out you need a lawyer but it's already too late to keep the adjuster from paying you less. Assume at all times that any information the insurance adjuster gets from you will be used against you. It's better to say nothing at first and then get squared away with an attorney who can represent your interests and keep the insurance adjuster from tricking you into accepting less money.
Our Experienced Car Accident Attorneys Can Get You the Help You Need Today For a DC, Maryland, or Virginia Car Crash
There are a lot of car accident attorneys out there who claim they can help you after an accident, but here is where Donahoe Kearney is very different: we offer one-on-one, individualized attention for each and every case we take. The larger law firms might draw you in with their splashy TV ads or side-of-the-bus messaging but consider this; if they are working this hard to get the attention of everyone who sees their advertising, do you think they will take time to give you the kind of attention your case deserves? Probably not. With Frank Kearney, you will get the legal expertise and outstanding customer service that has been setting our attorneys apart for 25 years. Just read what our clients have to say about working with us.
Contact us today at 202-393-3320 to find out how we're different. We will take you from the accident all the way to settlement, and once you sign up with us you will never have to speak to your insurance adjuster again. You won't have to manage your medical records, bills, or lost wages. You won't have to deal with liens or subrogation. You can just focus on getting better, and getting your life back.