After being involved in an accident, negotiating with the insurance company could be stressful and emotionally draining. Being able to intimidate adjusters at insurance companies to ensure that you get a fair settlement is essential in the case of a car accident.
It is crucial to keep in mind that the insurance industry was trying to turn profits. They are not-for-profit organizations, and the more they need to pay and receive, the less profit they make. They do their best to reduce costs and resolve claims fast.
Our car accident lawyers have decades of experience in legal assistance for these cases, which is why we are aware of the tactics of adjusters and the process of submitting an insurance claim. The best method to frighten adjusters or insurers is to have an attorney on your side, fighting for you. Don’t settle for less.
What an Insurance Adjuster Does
In the event that an accident has resulted in damage, insurance adjusters will inspect and assess it. They will analyze the damages to determine how they can cut their costs. Be aware that insurance companies aren’t acting in your best interest. They’re trying to offer the most affordable payout they could.
When you first meet with the adjuster for insurance claims, you might be amazed at how they try to prove the incident against the person who caused it or claims that you committed fraud in the insurance industry. Here are some of the most common methods employed to determine the total severity that you’ve suffered (and still make profits):
- Requesting your Medical Record: You don’t need to provide adjusters from insurance access to the medical data you have. They often have access to both current and previous medical records when they fill out medical release forms. These records can include ones that do not have anything in connection with your injury case. If you allow them access, they could attempt to put your current injury on a non-related condition or injury.
- Working with Doctors: Insurance companies often interview doctors by asking closed-ended questions. Your doctor should discuss your medical condition in depth. Your injuries will not be deemed too small inadvertently if you do this. A medical examination could also be performed by an insurance company. They will select the physician to conduct the examination. When your insurer requires this, consult your injury lawyer first.
- Field Interviews: During the initial stages when you are pursuing a personal injury case, insurance adjusters may ask you questions that are short-term in nature. These are not intended to allow you to explain and aid in proving that your case is flawed. Your claim amount may be reduced as a consequence.
- Techniques to deter you: In many cases, adjusters will employ delay tactics, such as not returning your calls. They use this tactic to try to convince you to quit. They might also attempt to claim that you have taken too long. This is to make you believe that you’re outside the statute of limitations period. In Florida, you have up to four years to sue for a car accident. If they’re delaying contact, the most effective way to defend yourself is to get an attorney.
What To Watch Out For Over The Phone
Always be cautious when an insurance company contacts you within minutes of the accident. The aftermath of an accident can be very stressful and takes time to recover from and process. The majority of insurance adjusters benefit from this by contacting you long after the incident.
If you are on the phone, ensure that you respectfully refrain from discussing the facts. It’s okay to provide the basic details, including the location and time when the incident was triggered and the cars involved. In any case, you must inform them about the investigation. Be careful not to share anything specific or not conversational.
If they contact you, the insurance company’s claims adjusters may ask you to provide an audio recording of your declaration. Although you might think that this is a harmless request to provide information, keep in mind that adjusters may make all of your statements against you. It is not uncommon to have agents playback the recorded messages until they find additional evidence to use against you. Documents containing comments shouldn’t be signed.
Insurance Adjusters: What Not to Say
In most cases, the insurance company sending the claim adjuster is to blame.They will do whatever they can to decrease the amount you’ll be paid following the accident. We could try to get you to admit some guilt in this way.
Do not respond to any questions that ask whether there was something that you might have been able to do to prevent the incident. They might inquire if there was something that you could have done differently. They might also mention external factors such as weather.
Sending your insurance adjuster to your lawyer is the most effective way to fight this. In this way, they will not make any accusations against you.
Being Careful of What You Post on Social Media
You could also be watched by insurance adjusters if you have a social media account. Even if the picture is one you have cherished for years, avoid posting any content online. Be aware of what you upload to Facebook, Twitter, or Instagram following an accident. It might appear as if you’re not hurt.
Insurance adjusters could even observe you from outside your house. Sometimes, they’ll employ an investigator from a private company. Be sure to relax when you are recovering. Do not be afraid to ask for assistance from your friends and relatives. Even if it’s an easy task, such as receiving mail, they may make use of it to claim that your injuries aren’t severe.
How to negotiate with Insurance Adjusters
In negotiations, you have to know some essential aspects before starting. If you’re considering first-party or third-party benefits, you must first decide what type to use. First-party benefits come from your insurance company for vehicles. Third-party benefits are provided by the insurance company that is insured by the person who hit you.
Finding out the value of your car is also beneficial. Claims adjusters determine the cost to fix your vehicle. Knowing the value of your car will aid you in negotiating to settle your claim more fairly.
The first offer from an insurance company is likely to be very low. Don’t accept the initial request. If you are negotiating, keep these things in mind:
- The actual worth of your car
- A fair settlement of damages to your vehicle or property damage
- The medical bills are due immediately after the accident and for the possibility of long-term medical costs.
- Injuries and pain due to the accident
- Loss of income or wages as a result of missing work due to your injuries
It is essential to use these elements in determining the minimum you will consider in a settlement contract. Our injury lawyers can assist you in deciding what the minimum settlement amount should be.
Get The Compensation You Deserve
Medical expenses and lost wages may be covered by your personal injury settlement, as well as property damages and pain and suffering. Victims of accidents must obtain the proper representation. If you work with our Injury lawyer, we will ensure the insurance adjusters provide you with everything you’re entitled to.
We invite you to contact our legal firm today to contact an injury lawyer and receive legal guidance. We provide free consultations so that we will review your case. We’d love to help decide if we are the right choice to fight for you. Our team represents clients throughout and around the Hillsborough County area.