If you have been in an accident that was someone else’s fault, you will have to speak with their insurance company at some point. You may still be in shock or pain because of your injuries, or you may be angry. It is important to remember not to let your emotions get the best of you when communicating with the insurance company. The following are some tips you can use when talking to the insurance adjuster.
Speak calmly and politely
The insurance adjuster that will call you is representing their place of employment and their client. You may be angry or hurt, but if you take out these emotions on the adjuster, it may only hurt your case. Remember to stay calm and speak logically to them about your accident. They may be more willing to help you if you treat them kindly.
Know what to say and what not to say to the insurance company
It is important to know HOW to speak with the adjuster, but also to understand WHAT to say to them. You should tell them your full name, phone number, and address. This basic information allows them to communicate with you. You can also tell them where you work and what type of work you do. If you have a personal injury lawyer, you can give them that contact information as well.
There are many more things that you shoulnd’t say to an insurance adjuster than you should tell them. This includes the following information.
- Do not give them detailed information about your accident or your injuries. You can tell them the basics like when and where it happened. Be sure to tell them that you will only provide more information with your attorney. Setting this strict limit can help minimize their attempts to get you to settle quickly.
- Do not say anything to the insurance company if they are recording you. They may ask you for an official recorded statement or simply request to record a casual conversation. Either way, never give them a recorded statement without your lawyer.
- Remember to ask the adjuster for THEIR information as well. This should include their full name, phone number, work address, company name, and the name of their insured. Take notes of what they say to you.
Do not settle your claim too quickly
Sometimes the adjustor you speak with will make a settlement offer during their first or second phone call with you. It may seem like they are blindsiding you or rushing you. They may even genuinely care about your recovery. The problem is that the nature of their job is to settle quickly and for as little as possible. Their goal is most likely to get you to settle before you know the full extent of your injuries.
Don’t sign anything without your lawyer
Whether you are at the beginning stages of your claim or getting closer to settling, you should not sign anything without your personal injury lawyer. This includes medical releases, official statements, and anything else that requires your signature.
Do you need a personal injury lawyer?
If you have been in an accident and would like the help of an experienced professional, contact Attorney Dean Boyd today. You can reach Dean and his caring team at (806) 242-3333 or By Email for more information. You can also learn more about Our Services by visiting us in person at 4423 SW 45th Avenue in Amarillo, Texas or 5012 50th St #103 in Lubbock, Texas.