When you file an insurance claim for a car accident or other type personal injury, you may receive a call from the other party’s insurance claims adjuster. It’s important to be careful about what you say, especially when you believe that the other party was at fault.
Having the Law Offices of Tim Misny on your side is always a good idea—but if you get a call before you’ve secured representation, here are some tips to handle your call.
Insurance adjusters and companies want to pay as little as possible
Any insurance company’s goal is to settle a case for as little money as possible—even if the policy holder is to blame. It’s important to remember this when you get a call from a claims adjuster. If you accidentally admit fault or downplay your injuries, you may receive a lower settlement than you’re entitled to.
Similarly, you may not realize what your case is worth yet, so you are in danger of accepting a lowball settlement offer. Never accept the first offer. Chances are that it’s much lower than you might otherwise receive.
How to handle the initial insurance adjuster call
Adjusters like to call claimants on the phone—they’re hoping to get information about the accident that could lessen their obligation to pay. It’s important to stay calm and polite during the call, even if you’re frustrated and upset.
Next, get the adjuster’s name, company name and contact information. The only information you need to provide is your name, address and phone number or email address.
Avoid giving any information about the accident yourself, even if you’re pressured to “make a statement.” Tell the adjuster that your own investigation is still ongoing, and you’ll discuss the facts at an appropriate time.
You should also avoid giving any information about your injuries. They could be more severe than you realize, you may accidentally leave out something or you may develop complications later. Decline to provide commentary. Simply tell the adjuster that you are still being treated at this time.
Finally, take notes during the conversation. Then call the Law Offices of Tim Misny for further help. Experienced lawyers know how much your case should be worth, and how to deal with insurance adjusters to get the best results possible.
Discuss your case with an Ohio personal injury attorney
The Law Offices of Tim Misny can help you with your personal injury case, including handling the insurance companies. When you’re the victim of negligence or recklessness, I’ll Make Them Pay!® Call my office at (800) 556-4769 so that I can evaluate your case right away.