It is common for insurance adjusters to come calling whenever you get involved in a car accident. At first, their approach may seem friendly and empathetic, as if they are looking for the information, they require to resolve your claim. These insurance adjusters request that the victims give feedback to some questions purporting to help them comprehend the nature of the car accident and the injuries to ascertain the compensation the victim can get.
However, the adjuster will always hide their sinister intent of seeking information to minimize your claim and make their insurance company less liable. Because of this evil intent from the insurance adjusters, who usually use the victim’s innocent comments against them, any accident victim should be cautious when conversing with the adjusters. Visit www.dongaline.com to learn how to protect yourself from insurance companies.
This article discusses the things you should not say to any insurance adjuster after an accident. Read on.
Never admit fault or apologize
Insurance adjusters usually aim to shift the blame on their company to the victim or someone else. It is essential to avoid any admission or discussion of the fault, whether whole or partly, with the insurance adjuster. Refrain from any conversation that could be interpreted as blameful or apologetic. Ignoring these instructions could make it difficult or minimize the compensation you rightfully deserve.
Avoid discussing injuries and prognosis
Leave this to a medical professional. Medical professionals are mandated to give accurate information regarding your injuries and the prognosis of your condition. Your health situation can change due to your injuries worsening or the discovery of new injuries in treatment. Always refer the adjuster to your doctor.
Refrain from discussing the circumstances of the accident
Don’t give much information on what transpired at the time of the accident. Restrict yourself to the main details, such as the time, date, location, the vehicles involved, and the names of the actual witnesses. Avoid speculation at all costs. The adjuster can take a police report and get information from the witnesses to ascertain the truth about the accident.
Don’t say anything on the record
This is one of the main pitfalls when talking to an insurance adjuster. Nothing compels you to record a statement if you are a victim, but insurance adjusters will always ask you to do so. If you fall under their pressure, they will, in turn, try to frame your words to cast doubt on the reality of your claim.
Don’t say yes to their first offer
Don’t succumb to the pressure of accepting a settlement offer from the insurance adjusters immediately. Accepting an offer from the adjusters might leave you and your dependents in distress because the insurance adjusters will always find ways of compelling you to accept lowball offers. This can leave you in a financial crisis if other needs arise.
If talking to insurance adjusters cannot be avoided, it is vital to remain calm and polite, limit the calls, if any, avoid prolonged conversation, record the content of the conversation or the call-in details, and write down the name and contact information of the insurance adjuster you talk to.
Remember that, however much the insurance adjuster may sound or seem empathetic about what happened to you, they are never on your side. They will always try to minimize the compensation you deserve.
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