After an auto accident where someone else was at fault, you can expect to receive a phone call from the claims adjuster of the responsible party’s insurance company. It is important to note that the adjuster works on behalf of the insurance company, not for you.
There are a few things to keep in mind when the claims adjuster calls you.
Choose your words carefully
While it is often in your best interest to avoid the conversation altogether without legal representation, any discussion you do have with the claims adjuster should be carefully thought out. Even simple statements such as “I am doing well” in response to the adjuster asking how you are could indicate that your injuries are not as severe as you indicated.
In addition, remember that any answers you provide go on the record with the insurance carrier and can call your credibility into question. If you can not remember the details in response to a question, tell the adjuster you do not remember instead of trying to guess.
Consider their goal
Remember that the claims adjuster will try to settle the case for as little as possible to save the insurance company money. The initial settlement offer you receive is often much lower than you actually deserve, so counter that offer with a well-supported argument based on your injuries, medical costs and recovery expectations.
Keep these points in mind in the aftermath of any auto injury incident. When you know how to handle the adjuster’s phone call, you can focus on your recovery with less stress.