bad faith insurance, personal injury – June 29, 2020
If you or someone you love has been injured due to the negligent actions of another person, business or entity, then you should be able to recover compensation from the at-fault party’s insurance company. however, these cases are rarely cut and dried. Insurance companies are for-profit entities and their goal is to pay as little as possible for a claim, regardless of the validity of the claim. If you are trying to recover compensation after an injury, there are some tips to follow when speaking with your insurance claims adjuster.
Reading: How to talk to insurance adjuster
when will the claims adjuster call?
If you have been injured due to someone else’s negligence, you can be sure that your insurance company’s claims adjuster will call you reasonably quickly after the incident occurs. this may be within a day or two of the incident. Most people are familiar with insurance claims adjusters after a car accident case, but an adjuster will be involved any time an insurance company is handling a personal injury claim.
tips for talking to the insurance claims adjuster
1. keep calm and be polite
If you are dissatisfied with the at-fault driver or with the way the claims process is progressing, you should do your best to remain calm when speaking with the claims adjuster. getting angry and rude to the adjuster is not going to help. Staying calm and courteous with the insurance claims adjuster can help ensure your claim is processed smoothly.
2. get the name of the person you are talking to
Whenever you are called by an insurance company, get the name, phone number, and business address of the adjuster you are speaking with. ask for this information every time they call you.
3. give limited personal information
You don’t need to go into detail about your personal life with the insurance claims adjuster. the only personal information they need from you is your full name, address and phone number. you can tell them where you work and what your occupation is, but you don’t need to go into detail about your activities of daily living, hobbies, work hours, income, etc.
4. don’t discuss the details of the accident
do your best not to discuss the details of the accident with the claims adjuster (and any other parties). let the facts of the case, such as video and photo surveillance, eyewitness statements, and accident reports speak for you. The more you talk about the incident, the more likely the claims adjuster will find inconsistencies in your story to use against you.
5. don’t talk about your injuries
The insurance claims adjuster will ask you about your injuries, but you don’t need to go into detail. you are not the doctor, so any attempt to describe your injuries could backfire and be used against you later. let the claims adjuster know you are still receiving medical treatment and that is the end of the conversation.
6. resist early settlement offers
The at-fault party’s insurance company will likely offer an initial settlement that may seem attractive. however, understand that most early settlements will be much less than what you should receive for your claim. think of these early deals as your starting point for trading up.
7. do not give a recorded statement
The insurance claims adjuster may tell you that you need to give a recorded statement for your claim to be processed. this is not true, and the sole purpose of obtaining a recorded statement from you is to use any inconsistencies in your story against you later. continually reiterate that you will not give a recorded statement.
If you believe your insurance claim has been underpaid or wrongfully denied, contact a Chicago insurance claim denial attorney for more information on suing an insurance company.