Communicating With Insurance Claims Adjusters
You can expect to hear from an insurance claims adjuster soon after your accident. In fact, you may walk in your front door after leaving the hospital to a ringing phone with an adjuster on the other end of the line. Remember that the job of the insurance claims adjuster is to evaluate your claim, assess the benefits and compensation your requesting, and determine what amount should be offered to settle your claim.
However, the insurance adjuster is not on your side. He or she is on the side of the insurance company which wants to pay out as little as possible for your settlement. Thus, anything you say can and will be used against you to either deny your claim or minimize its value. Do not make any statements to the insurance company without first speaking to an attorney.
It is perfectly acceptable to politely decline to give a statement before speaking to an attorney or discussing your prognosis with your doctor. Do not admit fault, imply possible fault, or make guesses about any information that you don’t have when speaking to an insurance adjuster.