Accidents are scary, but oftentimes, much of the trouble and headaches
come when you have to deal with the aftermath, especially when you begin
speaking to the at-fault party’s insurance company. The process
of negotiating your personal injury claim can be tricky, so it is crucial
to obtain the legal assistance of a skilled
personal injury attorney before proceeding any further. Remember, insurance adjusters
are on a mission to save their company money and, to accomplish this,
they must do what they can to prevent you from receiving a fair settlement.
An experienced personal injury attorney will know how to protect your
rights and ensure you are not taken advantage of.
Below are some mistakes you should avoid when speaking to an insurance adjuster:
Never agree to provide a recorded statement: One of the first things an insurance adjuster will ask is for you to provide
a recorded statement. He or she might even make it sound like you are
obligated to agree to this. Under no circumstances are you required to
give the insurance adjuster a recorded statement, so politely decline to do so.
Be honest when speaking to the insurance adjuster: You do not have to provide any information beyond the basics of what occurred,
so there is no reason for you to lie to the insurance adjuster to get
by a question. If there is something you do not believe you should answer,
then refuse to provide an answer. Keep in mind that there are legal requirements
when it comes to these situations and dishonesty will only harm your case.
Do not provide your medical records to the insurance adjuster early on
in the negotiation process: The insurance adjuster you deal with will also likely request copies of
your medical records. You do not have to acquiesce to this request. Your
medical condition is likely to change over time, so providing this information
early on will not do you any favors. Only provide these documents once
they are able to reflect the most accurate picture of your medical condition.
Never discuss any preexisting injuries or conditions: While you should not lie about not having any preexisting injuries or conditions,
you should not volunteer this information either. Otherwise, the insurance
adjuster will try to use it against you to deny your claim. The only person
who can evaluate how your injuries might relate to one another is your
doctor, so leave it to a medical expert.
Do not exaggerate your injuries: Insurance adjusters have heard every story in the book, so they are generally
pretty good at being able to detect when someone is exaggerating the extent
of their injuries. Stay honest and tell it like it is when it comes to
the extent of your injuries.
Never let your guard down: Keep in mind that the insurance adjuster is not your friend, no matter
how nice he or she might seem. The adjuster might even try to engage you
in casual conversation, but remember that this is just a tactic to extract
more information from you. You do not have to be rude, but remember to
keep things formal and to keep your guard up.
You do not have to answer every single question: The insurance adjuster is inevitably going to ask you a slew of questions
and you might think you have to answer them, but you are under no such
obligation. In fact, the more questions you answer and the more information
you provide, the worse off you will be.
Do not assume your claim will settle: Insurance adjusters deny personal injury claims all the time for numerous
reasons, so never assume a settlement is guaranteed. In some cases, negotiations
might break down and file, which means your case will have to go through
litigation. Make sure you hire an attorney who can effectively handle
both out-of-course negotiations and litigation.
Personal Injury Attorney in Midland
If you sustained an injury in an
accident that was caused by another party’s negligence, you need to obtain
skilled legal assistance to ensure you do not miss out on your chance
to secure fair and just compensation. At Dean Law Firm in Midland, our
personal injury attorneys have the experience, knowledge, and compassion
that is necessary to help you navigate every step of this process.
Get started on your case today and
contact our law firm at (432) 214-8125 to request your free initial case evaluation
with one of our skilled personal injury attorneys.