If you've been injured in some type of an accident that has been caused another, the chances are that you will receive a telephone call from the insurance adjuster representing the at-fault party. Let’s think about all of the possible outcomes.
- The adjuster will probably tell you how sorry he or she is to hear about your accident.
- The adjuster will tell you that a recorded statement will have to be taken to process your claim.
- The adjuster will put you at ease and make you feel like you can work with this individual to resolve your claim in a timely fashion and receive proper compensation for your injuries and damages
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Important Points to Note When Working with Adjusters
Before you even think about dealing directly with the insurance adjuster, there are some things that you must know, that the insurance company wants to keep from you, that will severely reduce the value of your case or may even destroy it completely.
Please consider the following:
- Insurance companies are publicly traded and have a fiduciary duty to their shareholders to maximize profits. One of the ways that insurance companies maximize their profits is by paying the least amount of money possible for each insurance company claim presented. The insurance company would much rather deal directly with the injured party, rather than an experienced personal injury lawyer because they have a much better chance of paying the injured party pennies on the dollar.
- The insurance adjuster is not your friend. The insurance adjuster is not there to help you. The insurance adjuster is not looking to provide you with fair, just, and reasonable compensation. The insurance adjuster is looking to either completely deny your claim or to pay you the least amount of money possible for your injuries and damages.
- The insurance adjuster will probably tell you that you do not need to hire a lawyer. You will somehow be led to believe that the money that you save in not hiring a lawyer will be paid directly to you thus increasing the amount of money you will be able to obtain for your accident related injuries and damages. An Insurance Institute study found that injured parties who were represented by lawyers received more money in their pockets, after the payment of legal fees and costs, than did injured parties who represented themselves.
- Insurance adjusters are trained professionals who are experienced negotiators, and their sole objective is to pay you the very least amount of money possible for your case. Insurance adjusters will keep information from you, may give you misinformation, may threaten you, or will outright lie to you in order to pay you the least amount of money possible for your accident related injuries and damages.
- Insurance companies have a team of professionals looking for ways to pay you the least amount of money possible. Why on earth would you attempt to represent yourself against these professionals when you do not have the same knowledge, training or experience? You need to level the playing field by hiring an experienced personal injury lawyer so you can help to maximize the amount of money that you were able to collect for your injuries and damages.
One strategy that insurance adjusters use is: delay, deny, and defend. In other words, the insurance adjuster will take a lengthy amount of time to review your case. You might be asked for unnecessary or useless information, or you might be told that the insurance company never received information which you sent them and you will be asked to resend it. After all of that, you might even be told after bringing the required information to the insurance company that your claim has been denied, and if you put your case into suit they will defend it right until the end.
Get In Touch with Hastings, Cohan & Walsh, LLP
Even if you do not want to hire legal representation, you should at least consult with an experienced personal injury lawyer. It can help you understand what you need to be doing and what you should not be doing when dealing with the insurance adjuster. Our experienced Connecticut accident attorneys are happy to provide injured parties and their families with free advice and information.
You can download a free copy of our Connecticut accident and injury law book by visiting our downloads page. You can also call our toll-free number at (888) 244-5480 and get your questions answered over the phone, or you can schedule a free consultation where we will be happy to meet with you and specifically discuss the details of your case and advise you as to what you should be doing.
Make sure you get this valuable free information before you communicate with the insurance adjuster.