5 Tips for Dealing with Insurance Adjusters

If you claim insurance after an accident, your insurer will send out an insurance adjuster to assess the damage. They will call you and will probably ask to visit your property to collect evidence. They will also likely ask you some questions to help them carry out their evaluation. Although insurance adjusters must remain impartial, the insurance company has hired them, which means the adjuster’s offer will benefit the insurer more than you.

Here are a few tips on how to deal with a claims adjuster after an accident:

Be ready to answer questions about your condition.

When giving details on how the accident occurred, how the other party acted, and what your doctor said about your injury, try to be clear and concise. Be patient in answering these questions, because your insurance company may not compensate you if you refuse to give a clear picture of the damage you suffered in the accident or even accidentally admit fault.

Present proof of your claims.

Insurance adjusters must also examine police and hospital records. It is therefore of the utmost importance that you also have a copy of the police report, medical reports, or any estimates of your vehicle’s status made by a reputable mechanic to show you how much you really need to be paid in the settlement.

Do not be afraid to challenge the settlement offer and its basis.

Almost all insurance adjusters say a lot of technical terms which can intimidate you and make you blindly accept the first settlement offer quickly, even if it is lower than you expected. When you don’t understand the rationale behind the settlement and don’t think it’s enough, don’t be afraid to ask why.

Do not accept the first offer of settlement immediately.

This offer may still be higher, but most claims adjusters would like to settle immediately in order to avoid further expenditure and reduce costs to the lowest possible level. Have patience until you have a proper medical examination and estimates of the cost of your treatment, rehabilitation, and the damage to your car.

Get a lawyer.

If the claims adjuster is difficult and frustrating, and the process takes too long despite a valid claim, hire a lawyer’s help. By having an attorney help you deal with your claims adjuster and insurance company, you can concentrate on getting your life back to normal instead of being stressed by chasing the insurance company for compensation.

Seek Legal Assistance

Before accepting a settlement offer from your insurance adjuster, it’s best to consult with a lawyer first to ensure you get what you rightfully deserve. If you need help dealing with your insurance adjuster, please contact us at (305) 667-4481.

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Sutton Law Group

Sutton Law Group is a full-service, multidisciplinary law office serving clients in and around Miami, Florida. Established in 1985, we are trusted legal advisors and advocates in complex and even life-changing legal actions.

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