Most people aren’t prepared to talk to an insurance adjuster. That’s usually because they’re nervous about talking on the phone or, more likely, they just don’t know the tricks of the trade. That’s why we put together these tips explaining what you should know about dealing with insurance adjusters.
Insurance Adjusters are Trained Negotiators
Insurance adjusters will likely seem friendly, perhaps overly so. That’s because insurance adjusters are trained to get your guard down. When they seem more friendly and understanding, you’re more likely to offer extra information. Unfortunately, that can have a serious impact on your settlement.
You Should Never Agree to a Recorded Statement
While talking to the insurance adjuster, they might let you know that the call is being recorded for quality assurance. They might even say they’d like to hear your side of the story, “for the record.” If you hear these terms, you should be extremely careful.
If the insurance company gets a recorded statement, they will scrutinize every word you say, looking for any way they can shift fault. Thankfully, you have no obligation to provide a recorded statement. If an insurance adjuster asks for a recorded statement, you should politely decline and contact an attorney ASAP.
Expect Lowball Settlements
The insurance company stays in business by saving money. For that reason, you can expect that the initial settlement offer will be far below what you’re entitled to. Before you consider accepting a low settlement, you need to know the value of your claim. One of the best ways to do that is by consulting an experienced auto injury attorney.
Your Attorney Can Communicate For You
Speaking to an insurance adjuster is tricky and full of pitfalls that could deprive you of the settlement you’re entitled to. Once you hire a personal injury attorney, all communication will go through them first. A skilled attorney can save you a lot of headache while fighting for a more just settlement, allowing you to focus on your recovery.
If you’re unsure about dealing with insurance companies, we are here to help. If you’d like an experienced New York City personal injury attorney from Koenigsberg & Associates Law Offices to evaluate your case, don’t hesitate to call us at (718) 690-3132 or send us an email!