When filing for compensation from your insurer or liable party, you are likely to get a call from insurance adjusters. If you do not know what to do, you can make various mistakes and void your claim rights.
You might also provide inadequate information, making it challenging to get fair compensation. Continue reading to discover what you should do if a claims adjuster calls after your accident to avoid such issues.
Request Details of the Person Who Contacts You
When a claims adjuster contacts you, the first step you should take is requesting their details. Find out their name and job post. Moreover, determine the company they work for and the case they represent.
Gathering such details allows you to identify the person you spoke with if needed. It also helps you avoid falling for scam calls and losing your claim.
Provide Limited Personal Information
When contacted by insurance adjusters, another precaution you should take is providing limited details. Such include your full name, personal contact number, and address. You may also give them information about your insurance company.
While a claims adjuster may inquire about your profession, avoid providing too many details. Instead, mention the company you work at and job post without disclosing sensitive information like your income.
Do Not Provide Details About the Accident
A claims adjuster may try to get your statement about how an accident occurs. They may also ask questions to learn more about each action that led to the event.
Avoid providing details about your accident since the adjuster may use them against you. This precaution will also help you avoid admitting fault or giving information proving you were partly liable.
If a claims adjuster wants to learn more about the accident, inform them that you will send a personal injury demand letter with all the details. You can also say that there is an ongoing investigation, which prohibits you from such discussions. However, you may provide the adjuster with some basic details like:
- The type of accident
- Number of vehicles or people involved
- Time and location of the accident
- Contact information of any witnesses
Avoid Discussing Your Injuries
Insurance adjusters may ask about the injuries you sustained in the accident. While it may be tempting to provide them with this information, avoid it. This is because you might have some injuries that have not yet presented themselves.
Another reason to avoid discussing this subject with claims adjusters is that you might forget to list some injuries. For example, you may fail to mention that you sustained a leg injury or bruises. You might also forget to state the wounds you received treatment for at the accident scene.
Unfortunately, making such mistakes may lower your settlement amount since the adjuster may argue that some injuries did not result from the incident. If an adjuster wants to discuss your injuries, decline from doing so. Instead, mention that you will provide this information alongside your demand letter. You can also say that you are still receiving treatment and cannot estimate the expected total cost.
Do Not Accept a Settlement Without Discussing It With Your Lawyer
A claims adjuster may contact you with an offer to compensate you for your damages. While this may be lucrative, avoid accepting a settlement when your case is still under investigation. This precaution can prevent you from getting an amount lower than the actual value of your damages. Speak to your lawyer about any offer you receive.
Before settling your case, assess all injuries with help from different professionals., For example, if you sustained physical harm, consult your doctor. With their guidance, you can determine the treatment costs and gauge the likelihood of long-term health effects.
Take Notes and Remain Organized
Keeping proper records of the information a claims adjuster provides you can help you support your case. During the conversation, note down every detail, such as the settlement offered. If the claims adjuster mentions any conflicting information about the incident, you should also record it.
Another vital precaution is noting down the details you provide the adjuster. This measure will allow you to avoid giving contradicting statements when filing a claim or presenting your case in court.
Consult The Kryder Law Group, LLC When You Get a Call from Claims Adjusters
Getting legal guidance can help you avoid mistakes when contacted by adjusters. At The Kryder Law Group, LLC, we represent claimants negotiating compensation for accident-related damages. Our team is ready to help you after your Illinois car accident.
Working with us makes it easier to determine what you should do if a claims adjuster calls after your accident. We can help you get rightful compensation and negotiate a fair settlement. Reach out to the Kryder Law Group, LLC now at (312) 223-1700 to understand the precautions to take when called by claims adjusters. We can even help you file a lawsuit.