How to Work with an Insurance Claims Adjuster After an Injury

Don’t get intimidated by an insurance claim adjuster after an injury, and let our lawyers handle all interactions with them while processing your claim for compensation.

When working with an insurance adjuster after an accident, avoid consenting to recorded statements, don’t overshare, never admit fault, rely on our lawyers to keep detailed records, prioritize medical care and your physical recovery, avoid posting on social media, don’t automatically sign blanket medical releases, and let our attorneys push for a better payout and recovery on your behalf.

The Reiff Law Firm can review your case for free when you call our Philadelphia car accident lawyers at (215) 709-6940 today.

Tips for Working with an Insurance Claims Adjuster After an Injury

Anytime you are working with an insurance adjuster after an accident, expect that they want you to misspeak or make a mistake so that they can deny or underpay your claim. Involve our lawyers in your case early on so that we can oversee all contact with the insurance adjuster from the get-go.

Avoid Recorded Statements

Insurance adjusters typically want injured parties to make recorded statements as soon as possible after accidents. You are under no obligation to give a recorded statement describing the accident or your injuries, and you should absolutely decline this request, even if the adjuster claims it will help your case.

Don’t Overshare or Speculate

Stick to the facts when discussing an accident with a claims adjuster. Do not overshare about how you were feeling or make guesses about the other driver’s speed or actions. Only provide information you know to be true, such as the date, time, and location of the accident.

Be aware of how you answer all questions from an adjuster, even during a polite conversation. If they ask you how you are doing and you respond that you are fine, they might try to use that to their advantage.

Never Admit Fault

Never admit fault when working with a claims adjuster after an injury. The adjuster is looking for any reason to lower your payout, and your contributing to the accident is the perfect excuse. Expressing guilt or apologizing can jeopardize your recovery, even if you were just being polite or emotional.

States handle contributory fault differently, with some banning victims who contribute whatsoever to their injuries from any compensation and others simply reducing damages in proportion to the victim’s contribution.

Keep Detailed Files

It’s vital to keep detailed files and evidence of all correspondence with a claims adjuster after an accident. Our attorneys can keep track of all phone calls, emails, and claim information for you. Keeping careful records can illuminate bad-faith practices by an insurance adjuster during your claim, such as intentionally being non-communicative, pressuring you to accept a bad settlement, or misrepresenting the policy.

Don’t Communicate Alone

You do not have to work with an insurance claims adjuster alone after an injury. Communicate with the adjuster through our lawyers to lessen your stress and responsibilities after an accident. Letting us handle communication reduces the risk of you misspeaking during conversations and unintentionally compromising your claim.

Prioritize Medical Care

Don’t neglect your medical care while dealing with an insurance adjuster. They will scrutinize all medical records related to the injury and question any gaps in your treatment due to missing appointments. Don’t return to work prematurely or engage in any other physical activity that might exacerbate the injury and complicate your claim.

Avoid Posting on Social Media

Avoid posting on social media until after you get the compensation you deserve for your injuries. Insurance adjusters might try to use social media posts to argue you are not as badly injured as you contend or that your quality of life is not so poor. Don’t discuss the accident or your case online or with anyone other than our lawyers while it’s still ongoing.

Limit Medical Releases

Insurance adjusters often try to get victims to sign blanket medical releases that give them access to a victim’s entire medical history, rather than only the records related to the specific accident and injury. Do not sign any medical releases until our car accident lawyers have reviewed them. Insurance adjusters might try to use older medical records to argue your injury was pre-existing.

Push for a Better Settlement

When working with an insurance adjuster, don’t take what they say at face value or automatically accept the first payout they offer. You can always push for a better settlement, and may even file a lawsuit if the claims adjuster refuses to pay you what you deserve.

FAQs About Dealing with Claims Adjusters After Injuries

How Soon Should You Start Working with an Insurance Adjuster After an Injury?

You shouldn’t wait long to begin communicating with the insurance adjuster after you are injured, as delaying initial contact could also delay your access to compensation.

What Should You Do Before You Start Working with an Insurance Adjuster After an Injury?

Before you start working with an insurance adjuster, review your statement with our lawyers, have a general idea of your damages and injuries, and gather evidence with our help.

Do You Need a Lawyer to Work with an Insurance Adjuster After an Injury?

You should have a lawyer’s help dealing with an insurance adjuster after an injury so that you don’t misspeak, unintentionally accept liability, or otherwise compromise your case.

What if You Can’t Work with an Insurance Adjuster After an Injury?

If an insurance adjuster refuses to work with you and offer an acceptable payout, you can proceed with a lawsuit. Insurers often want to avoid lawsuits whenever possible and might be convinced to increase settlements to avoid trials.

Reach Out Now for Help Dealing with an Insurance Claims Adjuster

For a confidential and free case review, call the Bethlehem, PA car accident lawyers of The Reiff Law Firm at (215) 709-6940.