The Do’s and Don'ts of Speaking with an Insurance Adjuster
May 1, 2021
Every year, traffic crash injuries and fatalities often result in huge medical expenses, work loss costs, and an immeasurable burden on the accident victims, their families, and friends. According to the Texas Department of Transportation, the estimated economic loss of all motor vehicle crashes in Texas in 2019 was $39.2 billion. A person injured in a car accident may be eligible to recover damages. Upon filing your personal injury claim, you may get a call from an insurance adjuster asking about the crash and how it happened.
The period after an auto accident can be difficult and confusing to sort through. Speaking with an insurance adjuster without experienced legal guidance can inadvertently hurt your case. At The Torres Law Firm, we have devoted our careers to offering knowledgeable guidance and compassionate representation to individuals and families facing difficult times. Our experienced Texas personal injury attorneys will review your situation, conduct a thorough, private investigation, and offer you the detailed legal counsel and advocacy you need in your personal injury case. We proudly serve clients throughout Corpus Christi, Dallas, and Fort Worth, Texas.
The Insurance Adjuster’s Role
An insurance adjuster, also known as a claims specialist or claims adjuster, is an expert who is usually tasked with investigating, evaluating, and settling personal injury claims. The claims adjuster will also determine the right amount of compensation that should be paid by the insurance company for injuries, vehicle damages, or loss suffered by victims in a traffic crash. The insurance adjuster has the following roles:
Review, investigate, assess, and settle injury claims
Evaluate whether the insurance policy provides coverage for the loss
Assess damage and injuries suffered by accident victims
Ensure injury claims are not fraudulent
Speak with the plaintiff and other witnesses to decide rightful compensation
Determine fair financial compensation the insurer should pay the claimant
Negotiate a fair settlement with the plaintiffs, their legal counsel, or representatives
Contact the plaintiffs’ doctors or employers to uncover fraudulent claims
Approve payments and ensure claimants are fully compensated
Work with attorneys on personal injury claims, when required
Deny claims that are false or fraudulent
Refer potentially fraudulent claims to a private investigator
Requests for A Statement
When conducting an investigation, the claims adjuster may ask you to make a statement about the incident. Conversely, speaking with the insurance adjuster before consulting with your lawyer can inadvertently affect the outcome of your injury claims. Unknown to you, the claims specialist may:
Take your statement out of context
Use your statement to reduce your compensation
Use your statement against you
Ask contradictory questions with the aim of creating inconsistencies in your statement
What You Should & Shouldn’t Say
In the event that you choose to speak to the insurance adjuster, you should remember the following:
Ask the claims adjuster not to record your conversation or statement
Never acknowledge that you were at fault for the accident
You should only answer questions that you are sure about
Do not volunteer to provide additional information
Keep your statement or conversation as brief as possible
Do not sign any document without your attorney’s approval
To be on the safer side and to avoid making statements that can hurt your case, you can just politely decline to make a statement.
What Information Will They Ask For?
The claims adjuster may ask you to provide the following information:
Personal details such as full name, address, phone number, and employer
Details of the bodily injuries, vehicle damages, and other losses suffered
Your personal account of the accident, including when and where it occurred, the types of vehicles involved, as well as the parties responsible for the crash
Information about your medical bills, doctor’s report, medical records, radiologist reports, and other additional records relating to your injury case
Independent medical examinations
Identities of witness and statements made by them
Accident scene photos
How an Experienced Attorney Can Help
The insurance adjuster isn’t on your side. They are working for the insurer and only searching for different ways to reduce the amount of compensation you will receive. Your statements may be interpreted differently, thereby unintentionally hurting your case. If you receive a call from the insurance provider’s claims adjuster requesting a conversation with you, consulting with an experienced personal injury attorney is crucial to protect your case.
At The Torres Law Firm, we can offer you the comprehensive legal guidance and aggressive representation you need in your personal injury lawsuit. As experienced Texas auto accident attorneys, we will review all the details of your circumstances and explore your possible legal options to recover damages. Our attorneys can fight to protect your rights and represent your best interests.
We will handle all communications with the insurance company and claims adjusters on your behalf. Our attorneys will estimate your case value and help you pursue fair financial compensation for your injuries, property damages, or loss. Having our team on your side can improve your chances of obtaining a favorable outcome in your personal injury claim.
Contact us at The Torres Law Firm today to schedule a consultation. We proudly represent accident victims and their families throughout Corpus Christi, Dallas, and Fort Worth, Texas. Contact today to get the help you need.