If you’re involved in an automobile accident, you might be contacted by an insurance adjuster from the other driver’s insurance company. While it may seem like a good idea to speak with them and settle the matter quickly, it is important to understand what’s really going on.
Speaking to an insurance adjuster on your own can result in you losing legal rights, getting lowball settlement offers, and giving in to pressure tactics.
Let’s see why you must never speak to an insurance adjuster on your own and the benefits of seeking legal representation.
If you have been involved in an automobile accident and need legal assistance, contact a Buffalo automobile accident attorney to protect your rights and ensure that you receive fair compensation.
Let’s dig in to find out why it’s risky to talk to an adjuster on your own!
What Does an Insurance Adjuster Do?
An insurance adjuster evaluates claims made by policyholders (or someone injured by the policyholder) and determines the amount of compensation to be paid out. Dealing with an insurance adjuster is an essential part of the claims process for anyone who has suffered property damage or personal injury.
However, it is crucial to approach these interactions with caution.
Insurance adjusters are not necessarily looking out for your best interests. There are several risks associated with speaking to an insurance adjuster on your own, and it is often best to seek legal representation from qualified Buffalo personal injury attorneys before doing so.
Why You Must Not Speak to an Insurance Adjuster on Your Own
When you’re involved in an accident and need to file a claim with an insurance company, you’ll likely be speaking with an insurance adjuster at some point.
While it may seem like a straightforward process, speaking to an adjuster on your own can be risky. Adjusters are trained to protect the interests of their company, which means they may try to minimize your claim or deny it altogether.
Here are the risks associated with speaking to an adjuster.
You Lack Experience
One of the main risks of speaking to an insurance adjuster on your own is your lack of experience regarding insurance terminology and policies.
Insurance policies can be complex, and understanding the details of your coverage is essential when negotiating a settlement. Additionally, claims procedures can be overwhelming, and it is easy to make mistakes that can negatively impact your case.
They May Use Pressure Tactics
Another significant risk of speaking to an insurance adjuster on your own is the possibility of pressure tactics. Insurance adjusters are skilled negotiators who may try to get you to settle quickly and for less than what you deserve.
These tactics can include lowballing, coercion, and intimidation.
Admissions Of Liability
When speaking to an insurance adjuster, it is essential to be careful about what you say. Anything you say can be used against you, and insurance adjusters may try to get you to admit fault or liability.
This can happen during a recorded statement or written correspondence.
Loss Of Legal Rights
Speaking to an insurance adjuster on your own can result in a loss of legal rights. For example, if you agree to a settlement offer without fully understanding the terms, you may be waiving your right to pursue additional compensation in the future.
Additionally, if you miss the statute of limitations for filing a claim, you may lose your right to seek compensation altogether.
What Not to Say to an Insurance Adjuster?
If you’ve been in an accident and the insurance adjuster approaches you. Here are some tips for handling the conversation.
- Be polite and professional. It’s important to maintain a calm and respectful demeanor when speaking with the adjuster, even if you’re feeling upset or frustrated.
- Stick to the facts. Provide accurate information about the accident, but don’t speculate or guess about anything you’re unsure of.
- Get the adjuster’s contact information. Make sure to get the adjuster’s name, phone number, and email address, and confirm the company they represent.
- Don’t sign anything without reviewing it first. If the adjuster asks you to sign any documents or release forms, make sure to carefully read them over before signing (it’s best to consult with an attorney first).
- Document the conversation. Keep notes about what was said, including the adjuster’s name, the date and time of the call, and any agreements or promises made.
- Be careful about discussing your injuries. While it’s important to provide accurate information about your injuries, be careful not to exaggerate or speculate about the extent of your injuries. Stick to the facts and provide medical documentation to support your claims.
- Consider consulting with an attorney. If you’re unsure about your rights or the extent of your damages, consider speaking with a personal injury attorney before making any statements to the adjuster.
Why You Must Hire A Lawyer Before Speaking To An Insurance Adjuster
Let’s explore why you should hire a Buffalo car accident lawyer before talking to an insurance adjuster.
Knowledge and Experience
Lawyers bring vast knowledge and experience to the table; they are trained in legal terminology and procedures, as well as insurance claim processes.
This knowledge can be invaluable when negotiating a settlement.
Protection of Your Rights
Another benefit of hiring a lawyer is that they can protect your rights. Lawyers understand the statute of limitations for filing claims, and they know how to preserve evidence that can be used to support your case.
Increased Chance of a Better Settlement
Hiring a lawyer can increase your chances of receiving a better settlement. Lawyers understand the value of your claim and can counter lowball offers from insurance adjusters.
Additionally, they can negotiate for compensation that includes all of your losses, including medical expenses, lost wages, and pain and suffering.
Get Help From Capable Buffalo Automobile Accident Attorneys
It is best to seek legal representation before you speak to an adjuster about the settlement offer. Hiring capable Buffalo car accident attorneys from our firm will ensure the protection of your rights, and an increased chance of a better settlement
Remember that time is of the essence in personal injury cases. You must act quickly and seek legal representation from a capable Buffalo automobile accident attorney as soon as possible.
Call us now to discuss your case and what to expect from it!