How to Talk to Insurance Adjusters After an Accident
Handling an accident claim can be tricky, especially when navigating conversations with insurance adjusters. They do have a job to do, and while many are professional and fair, it’s important to be aware of how to protect your interests. Here are some questions that insurance adjusters might not want you to ask but are crucial for you to consider:
“Can you provide a copy of the insurance policy?”
“Can you provide a copy of the insurance policy?”Why they don’t want you to ask:
The insurance policy explains what is covered and any limitations the insured may have.
Why you should ask:
Having a copy of the insurance policy allows you to understand and ensure you are getting what you are entitled to after being injured in an accident.
“How did you calculate the settlement offer?”
Why they don’t want you to ask:
Adjusters use formulas and cancel out factors to justify their lower settlement offer. They prefer clients to accept their offers without question.
Why you should ask:
You can identify any overlooked damages in the assessment by obtaining a copy of the policy. This allows you to challenge their offer with specific reasoning.
“What can I do if I disagree with the insurance company’s offer?”
Why they don’t want you to ask:
They prefer the lower offer to be agreed upon, so they pay less. By discussing options, you may be able to get a higher offer.
Why you should ask:
Obtaining legal action allows you to make the best decision for your situation. By hiring a personal injury attorney after an injury, your case shows you are prepared to escalate your claim if necessary.
“How long will the settlement process take?”
Why they don’t want you to ask:
Adjusters may shorten a timeline in order to pressure you into a faster and lower settlement. They would rather you not seek legal advice after an injury due to negligence.
Why you should ask:
Knowing an accurate timeline helps you figure out expectations and plan accordingly. By dragging the settlement on by getting more treatment for your injury, you are entitled to more for your damages.
“Are there any time limits I should be aware of?”
Why they don’t want you to ask:
Failing to meet certain time restrictions can result in a denial of your claim.
Why you should ask:
Being aware of deadlines and other time restrictions allows you to manage your time accordingly and preserve your right to claim. It is important to note that after an injury due to negligence, you only have two weeks to seek medical treatment.
Navigating the insurance world after an injury due to negligence can be challenging. By knowing the questions to ask, you can receive the best settlement possible. At Barnes Cohen and Sullivan, our dedicated legal team is here for you. Let us fight the insurance companies and advocate for you on your behalf. We specialize in all personal injury cases including auto accident, boat accidents, bicycle & pedestrian accidents, medical malpractice, slip & falls, etc. If you have been injured in Florida or Georgia, we are the personal injury attorneys that are here for all of our clients.