The Adjuster Is Not On Your Side After An Accident
Posted on: 29 June 2023
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Car accidents that were not your fault could have you coping with the other driver's insurance company representatives. You may be contacted immediately after an accident and it's important to understand the adversarial relationship existing between the various parties in a car accident case.
What accident victims should do:
If you've been involved in a car accident that was not your fault and must deal with insurance adjusters representing the other driver, below are a few factors to consider:
Go to the emergency room: Prioritize your health and safety by seeking immediate medical attention for any injuries sustained in the accident. This is essential for both your well-being and establishing documentation of your injuries.
Your own insurer deserves notification: Notify your insurance company about the accident, even if you're not at fault. Provide them with accurate details of the incident and any relevant information about the other driver and their insurance company.
Be aware of needed evidence: Collect as much evidence as possible to support your claim. This includes photographs of the accident scene, damage to your vehicle, injuries, and any other relevant documentation such as police reports or witness statements. This evidence can be valuable when negotiating with insurance adjusters.
Talk to a personal injury lawyer: Consult with a personal injury attorney, especially if you've suffered significant injuries or there is substantial damage involved. An attorney can provide legal advice, guide you through the claims process, and negotiate with the insurance adjusters on your behalf.
Never talk about fault or injuries: When speaking to insurance adjusters (other than your own), be cautious about what you say. Stick to providing objective facts and avoid admitting fault or discussing liability, as these conversations can be used against you. Instead, focus on sharing essential details of the accident.
You may be recorded: Insurance adjusters may request recorded statements about the accident. It's advisable to consult your attorney before providing any recorded statements, as they can help ensure you're protected and that your rights are upheld during the process.
Keep records of all communications: Maintain a record of all communication with the insurance adjusters, including the date, time, and content of conversations. This record can serve as evidence in case any disputes or discrepancies arise.
Be wary of settlement offers: If the insurance adjuster presents a settlement offer, carefully review the terms and consult with your attorney before accepting or rejecting it. Ensure that the settlement adequately covers your medical expenses, property damage, lost wages, and other forms of damage you may have suffered.
Find out more by speaking with an auto accident lawyer.