Insurance claims departments are made up of adjusters, investigators and defense lawyers. Their collective goal is to settle your claim for as little as possible. As a result, insurance companies have been the target of accusations of engaging in unfair and illegal claims practices. Many such accusations have led to government investigations and fines being imposed against insurance companies.
If you have been injured in a accident, contact your personal injury lawyer before talking with an insurance adjuster. This includes your insurance company adjuster as well as the adjuster for the other side. If you choose not to be represented by an attorney, please remember that you are not obligated or required to give a recorded or signed statement.
Your own adjuster has the contractual right to find out how the accident happened but they do not have the right to tape record you or sign a sworn statement. Such a statement could later be used against you and can significantly damage your claim.
Notwithstanding, should you wish to speak to the adjuster, try to be as brief as possible, do not guess in response to questions and, rather than giving your own opinions, refer the adjuster to medical records, bills, and any car estimates that you might have received.
Many factors are involved in determining how adjusters process all the information resulting from an accident. However, these factors aid the adjuster in arriving at the amount of reimbursement that will be offered to you by the insurer. An attorney insulates you by presenting your information in the way that is most beneficial to your claim.
Finally, it is important to keep in mind that insurance companies are profit driven businesses. Their loyalty is to their shareholders not the third-party claimant.
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