After being involved in an accident, one of the most important people you will come into contact with is an insurance adjuster. While they may seem friendly and helpful, it is important to understand their role and know what to avoid saying while in contact with an insurance adjuster. Statements that you may feel are harmless or trivial could pose a significant threat to your personal injury claim. For more information and help navigating the legal process, reach out to a knowledgeable Middlesex County personal injury attorney today.
What is an Insurance Adjuster?
An insurance adjuster, or claims adjuster, is a representative of an insurance company who investigates claims to determine whether the insurer should pay for damages and injuries. These individuals assess a variety of claims, and their goal is generally to minimize payouts in an effort to save their company and employer money.
Insurance adjusters review the details of submitted claims and the filer’s policy to determine whether any coverages apply to the situation. They also gather information like statements from people involved, pictures from the scene of the accident, police reports, surveillance footage, and more. Based on this information, they determine whether the claim is covered and how much should be paid.
What Should I Avoid Saying to an Insurance Adjuster?
Remember, insurance adjusters work for the insurance company, not for you. They are trained to ask questions and seek answers that will weaken your case, which is why it is crucial that you understand what not to say to one of these people. Avoid making the following statements.
- Admissions of guilt: Avoid taking responsibility for the accident at all costs. Saying something like “I’m sorry” or “I didn’t see them” may seem natural or polite, but anything that suggests you were at fault can be used against you later on.
- Downplaying your injuries: An insurance adjuster may casually ask, “How are you doing?” Most people instinctively want to say “I’m fine” or “I’m doing well.” However, doing so may downplay the severity of your injuries and give the adjuster cause to undermine your claim.
- Speculations about the accident: Never guess when discussing the accident. If you do not remember something or cannot know the details of the situation because of your perspective, do not speculate. Any assumptions that you make could damage your credibility if they are later found untrue.
- Information about pre-existing conditions: If you are asked about past injuries or conditions, it is important to be careful. The adjuster could attempt to blame your current injuries on a pre-existing condition to avoid paying your claim. Be honest, but let your attorney provide your medical records to prevent any issues.
- Recorded statements: The adjuster may ask you to provide a written statement or some sort of recorded interview. It is likely in your best interest to decline until you can consult with your personal injury attorney.
Personal injury law can be tricky, and it is important to understand how you can protect your legal rights and interests. For more information, reach out to a skilled attorney today.
