How to Deal with an Insurance Adjuster After an Accident

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Imagine yourself in this scenario: your car gets hit and is seriously damaged, you suffer a few injuries, and you must take a few weeks off from work. You know for a fact that in order to file an insurance claim you will have to negotiate with the other party’s insurance company. You know it won’t be an easy task. Fortunately, here is some information on how to deal with an insurance claim adjuster after an accident.

Tips for Dealing with an Insurance Claim Adjuster

Insurance adjusters represent large insurance companies. It is their goal to negotiate settlements at the lowest possible amount. They are trained to do this and oftentimes can be very intimidating individuals.  

Typically, the initial offer that the insurance adjuster gives you will be quite low in relation to what the accident was actually worth, even if it seemingly appears to be a large amount. Always keep in mind that insurance adjusters are trained to make settlements quickly and for the least value possible.  If the insurance adjusters were to wait longer for a settlement, more injuries may be surface, meaning more medical bills and prescribed medication. All these possible costs would mean more money that the insurance company will have to pay.  

Therefore, having to deal with an insurance adjuster can be very tricky, especially if you are not familiar with the ins and outs of insurance claims.

  • The best way to deal with them is to be confident, firm, and aggressive.
  • Arm yourself with all records and documentation you can use to prove why you deserve a certain amount of money to cover car damages and personal injuries.
  • Speak persuasively in your conversations and be firm with your arguments. This will help you obtain the fairest settlement possible.

This does not mean, however, that you should treat the insurance adjuster rudely. He or she is just doing his job and he deserves respect as well. Who knows, giving him a little courtesy might help you with your settlement later on. 

Getting Help

One of the most advisable ways to deal with an insurance adjuster is by hiring an attorney. A skilled lawyer will help level out the playing field. Your lawyer will be an advocate who will fight for your rights during the negotiation process. In addition, when the insurance company learns that you have hired legal representation, it will know that you are serious and that you mean business. This way you will get the respect you deserve. Having a lawyer will also prevent you from making mistakes or from being stressed out while you are recovering from your injuries. Hiring an experienced accident attorney can help you settle claims for a higher amount of money than those who settle their claims without legal representation.