After filing an auto insurance claim, you’ll be contacted by an insurance adjuster whose job is to investigate the accident and determine the settlement amount. While adjusters can be helpful, it’s important to remember that their primary obligation is to the insurance company, not to you. Knowing how to interact with adjusters can make a significant difference in the outcome of your claim.
Understanding the Adjuster’s Role
Insurance adjusters are trained professionals who investigate claims, assess damage, and negotiate settlements. There are different types of adjusters you might encounter. Your own company’s adjuster handles your claim and should work in your interest, though they still represent the company. The other driver’s insurer’s adjuster will contact you if you’re filing a claim against that driver. Independent adjusters are hired by insurance companies during busy periods and work on behalf of the hiring company.
What to Say and What Not to Say
When speaking with an adjuster, stick to the facts. Describe what happened clearly and accurately without speculating or guessing about details you’re unsure of. Do not admit fault or say anything like “it was my fault” or “I should have been paying more attention.” Even casual apologies can be interpreted as admissions of liability.
Do not give a recorded statement to the other driver’s insurance company without consulting an attorney first. You’re not legally required to provide one. And never say you’re “fine” or “not injured” right after an accident — some injuries take days or weeks to fully manifest.
Documenting Your Damages
The more documentation you have, the stronger your claim will be. Keep detailed records of all medical treatments and expenses, photographs of vehicle damage and injuries, repair estimates from multiple shops, rental car receipts, proof of lost wages, and a written account of the accident while your memory is fresh.
Negotiating the Settlement
The first settlement offer from an insurance company is often lower than what your claim is worth. Don’t feel pressured to accept it immediately. Review the offer carefully and compare it to your documented expenses. If you believe the offer is too low, provide supporting documentation and explain why you believe a higher amount is justified.
Be patient but persistent. Settlement negotiations can take time, and rushing to accept a low offer could cost you thousands of dollars, especially if you’re still receiving medical treatment.
When to Hire an Attorney
Consider hiring a personal injury attorney if your claim involves significant injuries, if liability is disputed, if the settlement offer seems unreasonably low, or if the claims process becomes adversarial. Most personal injury attorneys work on a contingency basis, meaning they only get paid if you receive a settlement.
