A claims adjuster is someone hired by an auto insurance company to analyze and evaluate personal injury claims. The claims adjuster is typically tasked with reviewing facts, gathering information, and submitting a recommendation in regard to the compensatory damages sought in the claim. Auto insurance claims adjusters usually receive training or guidance on how to identify potential “red flags” in a filed claim that could be used to minimize, or outright deny, liability. Hence, the importance of learning how to communicate with an auto insurance claims adjuster.
Facts to Keep in Mind
The Adjuster is Not Your Friend
When communicating with a claims adjuster, it is important to remember that they are not your friend. Do not be fooled by the friendly tone or alleged interest “making sure you are ok.” They have no interest or inclination to ensure you receive financial restitution for your harms and losses.
Maintain a Respectful Tone During the Discussion
Even though the insurance claims adjuster will not be on your side, do your best to remain polite and cooperative during your conversations. Your goal should be to give the insurance adjuster a positive impression of you. It can benefit your case for the adjuster to see you as a reasonable and reliable claimant. Avoid getting angry or frustrated with the claims adjuster, if possible.
Just the Facts
During your conversation with the auto insurance claims adjuster, try to keep your answers short and to the point. Ideally, just provide yes and no answers to their questions. Why? Because the more information you provide the claims adjuster, the more they will have to work with when trying to find a reason to deny or de-value your personal injury claim. If the adjuster asks for an in-depth explanation regarding the accident, politely state that you are waiting for the investigation to conclude before providing an answer.
Respectfully Decline to Provide a Recorded Statement
There is no law in California requiring someone to agree to provide a recorded statement. Nevertheless, be prepared for this request because most claims adjuster will try to get you to agree to such a recording. When you encounter this question, respectfully decline in providing a recorded statement.
Do Not Feel Pressured to Agree to a Settlement
When speaking to an auto insurance claims adjuster, it is important to remember that you are in control, especially when it comes to settlement negotiations. Never let a claims adjuster intimidate or pressure you into making a quick decision regarding a proposed settlement. If the claims adjuster conveys a settlement offer to you, especially if the offer is made just a few days after the accident, it is in your best interest to work with an experienced Los Angeles car accident attorney to discuss your legal options. A professional counsel can help assess your claim and advise whether it makes sense to accept a settlement offer or to make a counteroffer; as in most instances, an initial settlement offer is woefully inadequate
Ready to Take Action? Contact an Experienced Los Angeles Car Accident Attorney Today
If you suffered a serious injury in a car accident due to the negligence of another motorist and have been contacted by an insurance claims adjuster, now is the time to schedule a free, confidential consultation with a well-respected and experienced Los Angeles auto accident attorney. At the Law Offices of Ramtin Sadighim, our team of expert lawyers are fully committed to skillfully employing our wealth of 20 + years of experience in pursuit of your claim’s optimal outcome. For further information or to schedule an appointment please contact us at 888.999.8744 or visit www.CaliAccidentAttorney.com to learn more. There is no financial risk to you.