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5 Tips for Your First Discussion with an Insurance Adjuster

Once you’ve notified the liable parties that you’ve been injured in an accident and intend to file a claim for compensation, you will most likely hear from one or more insurance providers.

These initial discussions after your accident can be difficult since you are either in pain or agitated. Additionally, insurers will ask you various questions in hopes of catching you slip up, enabling them to either offer a reduced settlement or deny your claim altogether.

So when it comes to talking about personal injuries to the other party’s insurance company, the following are five tips to follow to prevent you from saying anything that will adversely affect your claim:

  • Obtain the insurance representative’s contact information – Get the individual’s name, address, phone number, the name of the insurance company, and the person or business the company represents.
  • Be polite and keep clam – Losing your temper and taking anger out on the insurance adjuster will not help you recover your compensation. They are familiar with angry claimants and do not respond kindly to verbal abuse. If you are nice to the insurance adjuster, he or she may be more cooperative with helping you obtain the compensation you deserve.
  • Only provide limited personal information – You must only tell the adjuster your full name, address, and telephone number. Avoid revealing any information about your work, your schedule, your income, or your family background.
  • Do not provide details of the accident – Insurance representatives are trained communicators. They have the ability to subtly get you to tell them about the accident. Just politely refuse any discussion of the facts of the accident aside from the basic information, such as where and when the accident occurred, what type of accident was it, and the vehicles or parties involved. If the adjust asks about witnesses and you are aware of a few, do not disclose that information until later and ask if the adjuster knows of any.
  • Do not disclose details of your injuries – You should avoid giving any information about your injury, in case you forgot to mention something, discover a new injury, or your injury is actually worse than you originally imagined. Once to determine the full extent of your injuries and the necessary treatment, you will make a full medical description of your injuries in your written demand for compensation. But until then, only provide a general description of your injuries and tell the representative that you do not yet know how serious they are.

For more information, contact our Midland personal injury attorney at Dean Law Firm today.