When you are injured or involved in a car accident case and report it to your insurance company, they will send an adjuster to determine the value of your claim. The adjusters may appear professional and friendly but always remember they are on the insurance company’s side. You should always know the tricks insurance adjusters use to pressure you into accepting the lowest possible compensation. If you live in Roseville, it is essential to discuss your case with a car accident lawyer in Roseville before you speak to the insurance adjuster.
Common tricks of insurance adjusters that you should be aware of
You might think that an insurance adjuster is an objective party looking for details to determine a proper accounting of what the insurance company owes. The adjuster only has the best interests of their client in mind.
Sometimes, you have to file a claim with your insurance company if your insurance can not cover your damages. For example, if your personal injury protection insurance can not cover the damages, you can file a claim with your insurance company after the car accident.
- Adjusters might avoid contacting you to cause frustration.
Getting involved with an insurance company after an accident is challenging. You will always want to get through the claim process quickly to receive your settlement and move on. As you start your insurance claim process, you can have several questions that the insurance adjuster can answer, which include the following.
- Can I get a rental car?
- How long will it take to repair my car?
- Who can I talk to regarding my claim?
- How much will I get for my damages?
- The insurance adjuster will force you to admit accident fault.
The adjuster is on the insurance company’s side where you are filing the claim. You will rarely hear the adjuster talk about the at-fault party who caused your accident. If the at-fault party admits their liability would result in the insurance company paying a lot more on your claim than they wanted to.
- The insurance adjuster can use your medical records against you.
The adjusters may attempt to dodge liability by using your own medical records against you. It is equally important to know what you are speaking in front of the adjuster–especially the ones in written form. Listen to their question carefully, and remember that they will never be on your side. They will always protect the insurance company that pays them.