The easy answer is you should never speak with the insurance adjuster who represents the person responsible for causing your injuries and damages. If you receive a telephone call from the at fault party's insurance adjuster, you should tell that individual that you first need to speak with a CT accident attorney before answering any questions. Do not give any information to that individual. You should immediately contact an experienced CT personal injury lawyer who will specifically advise you as to what you should and should not be doing.
Typically you will be contacted by the at fault party's insurance adjuster a short time after you have been injured. The adjuster might engage in some initial small talk and tell you how sorry he or she is that you been injured and that they want to find out some information about your case before they can start proceeding with processing your claim. You should not answer any of these questions without first speaking with a CT accident attorney or injury lawyer.
It seems quite natural that you should give this introductory information to the insurance adjuster so your claim can be processed. You might think; what's the harm in giving this information? After all the facts of the case should establish that the other person is at fault.
This is far more complicated than you might otherwise believe. The adjuster will tell you that they need to find out about what happened in the accident. The real reason for this inquiry is they would like you to admit in some way, shape or manner that you are partially responsible for your own injuries and damages. For example, you might be asked how fast you were traveling at the time of the motor vehicle collision and if you indicate that you were traveling over the speed limit the claim will be that you could not stop in time because you are traveling too fast.
You might also be asked if you were using your cell phone, or adjusting the radio, or engaging in any other type of conduct which might be considered distracted driving. You might also be asked why you did not turn your car to the right or to the left in order to avoid the collision or why you were not paying closer attention so that you could have avoided the accident. Again, all of these questions are meant to show that you are somehow responsible, at least in part, for the motor vehicle collision.
Additionally, all of the information that they could possibly want about this accident would be included in the police accident report. So it should be clear to you that the reason they are asking you this information is to reduce the value of your claim.
You will also be asked about your injuries and damages. The adjuster will want you to admit that either you indicated at the accident site that you were not injured, or that you did not get medical care and treatment until a day or multiple days later, and that you will now claim that you are okay. All of these questions are meant to get you to admit the fact that you claim you are not currently injured when that situation might be ever-changing and could get worse due to circumstances and because of your activities of daily life.
You will also be asked about pre-existing problems or conditions so that the insurance adjuster can say that they are not responsible for damages and injuries that you had prior to this accident. Again, there are many issues that need to be investigated so as to properly develop your claim.
If you speak with the insurance adjuster, before contacting an experienced Connecticut accident attorney, you will likely do things to undermine and hurt the value of your case. Our Connecticut personal injury lawyers will tell you not to speak with the adjuster representing the at fault party. We will also tell you what to do and what not to do and we will provide you with free books, which we have written, that will tell you how to properly develop your case and get more money for your injury claim.
Our Connecticut accident lawyers also take these cases on a contingency fee basis and advance the costs to develop your case. You will not have to come up with any money out of your own pocket and if we do not recover any money damages for you you will owe no legal fees and no costs. We are only paid when we recover money damages for you.
Contact us today before you make a mistake in attempting to handle your own Connecticut accident or injury case.