After receiving that filed claim, the adjuster investigates the submitted and documented facts.
One of the adjusters’ first tasks involves obtaining specific statements
One statement would be from the policyholder, the driver that has, allegedly, caused the accident. A second statement would be from the claimant, the person that has submitted the personal injury claim.
Next the adjuster must go after specific documents
The adjuster would want to read and study the police report. That could reveal the extent to which either of the drivers had committed a traffic violation, or had demonstrated negligence.
A smart claimant would not provide the adjuster with access to all of the claimant’s medical history. Still, adjusters do deserve the chance to look at whatever medical history could relate to the accident-linked injury, as per personal injury lawyer in Lethbridge.
A few other documents would be of interest to any adjusters. Those would be any bills that a claimant had received, while having an injury treated and also any proof of wages or earnings, for that same injured claimant.
Additional information that could be sought during the adjuster’s investigation:
Facts about any other injury claims that were preciously submitted to the insurance company, and were earlier claims by the current victim. Those same facts should be stored in the company’s database.
Any information about the claimant that might be found on Goggle, Facebook or some other social media network
To what extent should claimants cooperate with adjusters?
A claimant’s chances for winning a personal injury case would diminish if he or she were to agree to provide the insurance company with a recorded statement. Claimants should only cooperate with a request for such a statement if the claimant’s lawyer has agreed to be present at the time of the recording.
As mentioned above, adjusters would welcome a chance to look at all of a given claimant’s medical records. Instead, the client-lawyer team should arrange for the delivery of copied parts of the relevant sections in the client’s medical records.
Claimants’ cooperation does not have to extend to the point of going along with any allegation that might concern the issue of liability. Some adjusters might think that the evidence would support an allegation of shared liability. No claimant should feel obligated to accept such an allegation.
The person that has become the target of a charge of partial liability should not hesitate to hire a lawyer. Lawyers understand how to fight such charges. Lawyers might be able to uncover other evidence, facts that might be used to cast doubt on an adjuster’s unverified claim. The other side also seeks useful facts. That is why no witness should ever offer more information than an answer to a specific question.