We Are Helping Drivers with Insurance Claims and Adjusters
After you have had an accident and have filed an insurance claim, you will work with an insurance adjuster. The adjuster researches your accident, reviews your policy, and decides the compensation you are entitled to. Whether you are dealing with your insurance company or the other party’s, it is always important to remember that the insurance claims adjuster is not working for you. The insurer employs that person, and his or her job is to lessen the financial impact on the employer.
This means that your insurance company might not pay what you are entitled to receive, or it may offer you the bare minimum for your injuries. Therefore, it is imperative that you understand the proper steps when speaking to an insurance claims adjuster so that you can receive the compensation you deserve.
Tips for Talking to an Insurance Claims Adjuster
- Prepare a call within 24 to 72 hours of the incident. An insurance claims adjuster will call you quickly after the accident. He or she is hoping to reach you and settle with you before you employ a lawyer. The adjuster might offer to pay medical costs and lost wages, but realize that the law also entitles you to other compensation, such as pain and suffering, lifestyle changes, and so forth.
- Future medical costs could apply. While the insurance claims adjuster will offer to pay medical expenses you have already incurred, do not forget about future expenses. An injury attorney can help you accurately calculate future medical costs in addition to what you have already paid. Severe, debilitating injuries, such as a traumatic brain injury, often come with long-term medical expenses. Therefore, you want to ensure these are also paid for.
- You are not required to provide a written or recorded statement. One trick that insurance companies try on victims is to contact them and request a written or official recorded statement. The law does not require you to do this. Instead, you are only required to notify insurance of the accident. So, if the claims adjuster requests a statement, kindly refer him or her to your lawyer. Then, wait until you have met with your attorney, who can then be present to provide a report.
- Never negotiate a settlement on your own. After a serious injury, you need equally serious representation. You are entitled to numerous forms of compensation, and you need a legal professional to help you identify those appropriate compensation values. Otherwise, you could dramatically short-change your compensation.
Injured in an Accident? Speak with a Local Law Firm in Louisville
After your accident, make your first call to Gladstein Law Firm, PLLC. Attorney Seth Gladstein is here to protect your rights to compensation and look out for your best interests when negotiating with insurers. Furthermore, he ensures that victims are not bullied by big insurance companies trying to push unfair settlements.
Schedule a free consultation with attorney Seth Gladstein today at 502-791-9000 or send him a message online.
