If you’ve suffered injury in an accident and your thinking about filing a personal injury claim or lawsuit, you’ll probably speak one of more insurers, depending on the number of parties involved in the accident. These initial conversations are often difficult to deal with, especially when you’re dealing with the agitation of pain during your recovery. Here are some helpful tips.
Get the Name of the Insurer and the Person You’re talking to
First and foremost, get the name of the adjuster, the name of their company, the address and telephone number of insurance company, and the business or individual that they represent. Most importantly, your personal injury lawyer in Grand Prairie will ask you to keep a record of this. If you decide to file a claim, this will be pertinent information.
Give out the least amount of Personal Information possible
Give the insurance adjuster your name, address, and phone number. Don’t discuss or explain anything about your income, the type of work you do, or your work schedule. You shouldn’t give out any details about your family or any other personal information. It is best not to discuss anything without consulting with your lawyer.
Keep the Details to a Minimum
According to the rules in your policy, you may be required to provide more information about the accident to your insurance adjuster when negotiating with your own insurer. Be sure to read everything that you’re asked to sign carefully, especially if it’s a release form asking for additional personal information. Adjusters may attempt to get some kind of statement out of you regarding the cause of the accident. Many adjusters are more subtle and start a friendly conversation and try to discuss the accident in greater detail.
In either case, be polite and refuse to give them any more than the basic details such as when and where the accident occurred. Additionally, if you’re asked about witnesses or other responsible parties, simply respond with “there may be.” In addition to this, be careful about describing your injuries. Again, it is recommended that you keep details to a minimum.
No matter how Difficult it is, Keep Calm and be Polite
No doubt your accident and injuries have angered you, but taking your anger and frustration on the insurance adjuster is not going to get you the compensation you’re deserving of. Most personal injury cases are settled out of court. So you may find yourself sitting across the negotiating table from that person that you were rude to on the phone. Granted, insurance adjusters deal with angry injury victims on a daily basis, but after all, they are human and won’t deal with the abuse very well.