What should people know about dealing with insurance adjustors after an injury?
Quick Answer
What should people know about dealing with insurance adjustors after an injury?
Insurance adjustors work to minimize payouts. Before speaking with them, consult a lawyer. Avoid giving recorded statements or accepting quick settlement offers without legal advice.
At Rafferty Domnick Cunningham & Yaffa, we warn injury victims that insurance adjustors are not advocates for your best interests. Their job is to save their company money by minimizing your compensation. Before speaking with an adjustor, it’s critical to consult with a skilled personal injury lawyer.
Key Things to Know About Dealing with Insurance Adjustors
1. Adjustors Represent the Insurance Company’s Interests
Adjustors are trained to settle claims quickly and cheaply, not to ensure you are fairly compensated.
2. Statements Can Be Used Against You
Even innocent comments like “I’m feeling better” can be twisted to suggest that your injuries were not serious.
3. Quick Settlement Offers Are Often Lowball Offers
Early settlement offers rarely reflect the full value of your injuries, medical expenses, lost wages, and long-term needs.
4. Recorded Statements Are Risky
Anything you say during a recorded statement may later be used to undermine your claim.
5. You Have the Right to Legal Representation
Having a lawyer handle communications ensures that your case is presented accurately and aggressively.
Smart Tips for Dealing with Insurance Adjustors
| Tip | Why It Matters |
|---|---|
| Don’t Provide a Recorded Statement | Prevents your words from being misused to minimize your claim. |
| Don’t Accept the First Offer | Initial offers usually fail to account for future costs and losses. |
| Speak Through Your Lawyer | Protects your legal rights and helps maximize your recovery. |
| Be Cautious with Conversations | Even casual statements can weaken your case if taken out of context. |
Frequently Asked Questions
Should I talk to an insurance adjustor after an accident?
Not without consulting a lawyer first. Your statements could later be used against you.
Why do insurance companies offer quick settlements?
To settle claims cheaply before the full extent of your injuries and damages are clear.
Can a lawyer handle communications with the insurance company?
Yes. An experienced injury lawyer can negotiate on your behalf to ensure you get full and fair compensation.
Don’t Let an Insurance Adjustor Undermine Your Claim
Insurance adjustors are trained to protect their company’s bottom line—not your recovery. Before giving a statement or accepting a settlement, talk to the attorneys at Rafferty Domnick Cunningham & Yaffa. We’ll communicate on your behalf and fight for the compensation you truly deserve. Call today for a free consultation.
