How to Deal with Insurance Adjuster During a Personal Injury Claim

If you’ve filed a personal injury claim with your insurance company, you may be feeling incredibly frustrated at how the insurance adjuster is handling your claim. They may be completely ignoring you and acting as if you don’t exist, or they may be calling every day, pressuring you to take the settlement they’ve offered. This adds additional pressure to an already stressful time. Before you make any decisions or sign any settlements, read this post to gain some insight into how to best deal with your insurance company after you’ve filed a personal injury claim.

Consider Speaking with an Attorney Before Giving a Statement to an Insurance Adjuster

Typically the at-fault party’s insurance company will ask you to give a recorded statement. This can potentially hurt your settlement amount as it doesn’t account for situations or injuries that may surface in the future, and the other party’s insurance company doesn’t represent you. They will often do whatever they can to frame the situation to their own benefit, which translates to you getting less than you deserve. Consulting with a lawyer familiar with personal injury claims and laws in Washington, can protect you and the amount of your settlement.

Be Honest and Don’t Exaggerate Your Injuries

It’s essential to be upfront and honest about the extent of your injuries. However, exaggerating your injuries can get you into legal trouble. Typically, the insurance adjuster will have a pretty good idea when someone’s not being completely truthful with them. Remember that they do this for a living. The best way to get a settlement is to be open and clear with the insurance adjuster.

Have a Settlement Amount in Mind and Don’t Jump at the First Offer

While you may not have a medical background, you probably know better than anyone else what the damage was emotionally and physically. Have a minimum settlement amount that you’ll accept in your mind before going into things. However, if the first offer from the insurance adjuster is above this, but you feel that your claim is strong and could be worth more, don’t be afraid to push back a little bit, and ask for the adjuster to explain why the claim amount they offered is what it is. They should be able to tell you exactly why they offered you that amount.

When in Doubt, Contact a Vancouver, WA Personal Injury Lawyer

If you feel like the insurance adjuster is not listening to you, seems unwilling to negotiate, or communication has broken down, you should contact a personal injury lawyer. You may think entering to the negotiations that a settlement is a given, but it is not guaranteed. Having a personal injury attorney help you navigate this difficult time when dealing with insurance companies.

If you’ve had an accident recently, call Philbrook Law Office. Whether you’ve already contacted the insurance agency or have no idea where to start, we can help you get a settlement that is fair and will cover the expenses for care and recovery.  Philbrook Law specializes in personal injury, so while this can be a confusing and stressful time, you don’t have to handle it alone.

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