Understanding the Role of Insurance Adjusters
Insurance adjusters are the representatives of insurance companies who investigate claims and determine the extent of the insurance company’s liability. Their responsibilities include examining the details of the accident, assessing the damage to vehicles, reviewing medical records, and determining the value of the claim. Adjusters may seem friendly and cooperative, but it is important to remember that their ultimate goal is to save the insurance company money. This often means offering settlements that are lower than what you may be entitled to.Initial Contact with the Insurance Adjuster
After you file a claim, an insurance adjuster will likely contact you to discuss the accident. It is important to be prepared for this conversation. Provide only the necessary information, such as your name, contact details, and the date and location of the accident. Avoid giving a recorded statement or discussing details about your injuries or the extent of damage to your vehicle until you have consulted with an attorney. Anything you say can be used to minimize your claim.Documenting the Accident and Your Injuries
Proper documentation is essential when dealing with insurance adjusters. Collect and organize all relevant information related to the accident, including photographs of the accident scene, damage to your vehicle, and your injuries. Obtain a copy of the police report and keep records of any medical treatment you receive. This documentation will serve as evidence to support your claim and can help counter any attempts by the adjuster to downplay the severity of your injuries or the extent of the damage.“Highly Recommended” is the epitome of an understatement when it comes to the firm of McDonald At Law!! Michael McDonald’s genuine pleasant, and empathetic demeanor masks his legal astuteness, and the level of aggressiveness he implements in pursuit of a victim’s right and the monetary compensation legally entitled to us. I was involved in a motor vehicle accident at the hands of an intoxicated driver in York County. In my case I suffered what I described as an atypical injury, Mr. McDonald offered to be my Lawyer immediately after explaining to him the events leading to and after being struck in turn causing me to have a heart attack, when another law firm seemed hesitant. McDonald At Law secured a sizable monetary compensation that not only met my expectation but exceeded it. Mr. McDonald’s wealth of experience, and legal prowess is priceless and never did he act as the case was beneath his practice. In the end my family and I were well compensated, but also felt justified. Thank you McDonald At Law!!
- Miguel Lopez
Evaluating the Initial Settlement Offer
Insurance adjusters often make an initial settlement offer that is lower than what you deserve. This offer is typically a starting point for negotiations. It is important not to accept the first offer without careful consideration. Consult with an attorney to evaluate the offer and determine if it adequately covers your medical expenses, lost wages, property damage, and other related costs. If the offer is insufficient, your attorney can help you negotiate for a higher amount.Negotiating with the Insurance Adjuster
Negotiating with insurance adjusters requires patience and persistence. Present the documentation and evidence you have collected to support your claim. Clearly articulate the impact of the accident on your life, including any ongoing medical treatments, pain and suffering, and the inability to work. Be firm but polite in your communications, and avoid accepting any offers that do not fully compensate you for your losses. Having an attorney by your side can be immensely beneficial during negotiations, as they can handle the communication and ensure your rights are protected.Related Videos
Putting off an Attorney due to Cost
Choosing a Personal Injury Attorney