After being injured in a motor vehicle accident, you will probably have to deal with the insurance companies. Importantly, if the defendant’s insurance company contacts you, they may try to use a number of tactics to get you to admit fault — or reduce the amount of compensation to which you’re entitled. If you’re wondering “what should I do if an insurance adjuster calls me,” here are some crucial tips to keep in mind.
1. Keep the Conversation Short
If an insurance adjuster calls you after an accident, it’s best to keep the conversation brief— you are under no obligation to speak with the at-fault driver’s insurance company. The adjuster will try to obtain statements from you in an attempt to get you to admit fault for the accident or minimize your injuries. It’s best to have your attorney communicate with the adjuster to avoid inadvertently saying anything that could harm your case. In fact, once you are represented by counsel, the defendant’s insurance company can no longer contact you directly.
2. Do Not Admit Fault for the Accident
Insurance adjusters are trained in using tactics to devalue or deny your claim. Do not say anything that could be misconstrued as admitting fault for the accident. Giving any information that could be used against you — or apologizing for the accident — can ultimately result in denial of your claim or compromise your right to monetary compensation.
3. Do Not Provide a Recorded Statement
One of the first things the insurance company will do is try to get you to give a recorded statement about the accident. It’s essential to understand that no matter how polite the insurance adjuster might seem, they are not on your side. They are trained to ask questions in certain ways to make you less certain about how the accident happened, or they will try to get you to say something that could harm your claim.
4. Do Not Accept an Initial Settlement Offer
Shortly after the accident, the insurance company may offer you a settlement. However, you should never accept an initial settlement offer. This is typically a lowball amount that does not reflect the actual value of your claim. Your medical bills, lost wages, future treatment, and pain and suffering all need to be taken into consideration — and the extent of your damages may not be known until you’ve finished treating. Always consult with a personal injury attorney before accepting any compensation from the insurance company.
5. Consult with a Personal Injury Attorney Immediately
Following a car accident, it’s best to consult with a personal injury attorney as soon as possible. They can best advise you regarding your claim and help to protect your rights. In addition, they will know how to navigate the insurance maze and can deal with the adjuster on your behalf to ensure you are not taken advantage of. A personal injury attorney will know the tactics used by the insurance company to devalue your claim — and have the experience necessary to push back in order to maximize your compensation.
Contact an Experienced New York Personal Injury Attorney
If you suffered injuries in a car accident due to someone else’s carelessness or recklessness, it’s vital to have a skillful attorney by your side who can negotiate with the at-fault driver’s insurance company — and maximize your settlement. Due to our vast experience and deep knowledge, The Edelsteins, Faegenburg & Brown, LLP regularly obtains significant settlements and jury verdicts for victims who have sustained injuries due to the negligence of others. Located in Manhattan, our firm has been handling personal injury cases throughout New York City since 1937. Call to schedule a free consultation at (212) 425-1999 today.