What to say to a claim adjuster after a car accident
Brandon J. Broderick, Personal Injury Attorney at Law
If an insurance company has become involved, you may be unsure of what to do if you were hurt in a car accident. In Connecticut, the insurance policy of?the at-fault driver ?is used to cover the losses of the injured driver. So, it is very important to watch what you say to the at-fault party's claims adjuster, as they will use any opportunity to pass blame to you and deny your claim, if possible.
Insurance companies are for-profit businesses, so it's important to remember they will use whatever means possible to pay you the least amount possible or deny your claim altogether. This means, an insurance adjuster will use a variety of strategies to find a flaw in your case. Their ultimate objective is to minimize or reject your claim.
We will provide some very important advice for defending your rights below while interacting with a claims adjuster. If you have any more questions, get in touch with a skilled?Connecticut car accident attorney ?at Brandon J. Broderick, Attorney at Law to go over your case.
Provide Basic Personal Details & Be Polite
Insurance adjusters are taught to appear cordial and friendly, but they are not your pals. They speak for the interests of the insurance company, not your own. As a result, you should limit the information you give them about yourself to the bare minimum, such as your name, contact information, and address. While you could also include other fundamental information like your job, you shouldn't go into specifics about other elements of your life. At this point, the insurance adjuster just truly needs to be familiar with the fundamentals.
The process can be time-consuming and frustrating, especially if you are still recovering from major injuries, even if you're pursuing a claim with your own insurance company or the at-fault driver's insurance company.
Being angry and irritable with the claims adjuster won't speed up your experience. Try to be as kind as you can when interacting with insurance adjusters to avoid awkward situations and hasten the processing of your injury claim.
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Don't Go Into Detail About The Accident
You should also refrain from going into detail about the accident. Other than the date and location of the collision, the vehicles involved, any witnesses, and other essential information, you shouldn't disclose any further specifics regarding the accident.
The claims adjuster will ask for more information about the accident. They could also inspire you to make assumptions about unknown details pertaining to your case. You should never make assumptions, provide extra details, or express an opinion. Tell the claims adjuster that your?investigation into the accident ?is still underway and stick to the known facts of your case. It would be easiest to handle this kind of inquiry with the help of a?CT car accident lawyer .
Don't Go Into Detail About Your Injuries
Even though the insurance adjuster will ask more about your injuries, you shouldn't go into great detail until you know how severe they are and how much improvement is possible. It's possible that you have injuries that you're not yet aware of. Also, a current injury you are aware of can end up being worse than you first thought. It should be sufficient to inform the insurance adjuster that you are currently receiving treatment.
Refuse Any Request To Record Your Conversation With The Claims Adjuster