After you have been involved in an accident, you will likely start to receive phone calls from insurance adjusters wishing to gauge exactly what happened, usually in an effort to minimize your compensation from the insurance company.
The insurance adjuster will likely ask you a number of questions about the incident. But before you agree to speak with him or her, it’s imperative that you understand exactly how what you do and say can impact your claim. Here are 5 tips for dealing with insurance adjusters post-accident.
1. Ask for the adjuster’s information.
Whenever you speak with someone, you should always have a clear knowledge of whom exactly you’re speaking to. That’s why it’s important that you ask the adjuster for his or her name, telephone number, address, insurance company, and insured individual for whom they are working.
2. Refrain from oversharing.
When you’re dealing with a lot it can feel really good to share your feelings with someone who seems genuinely caring and compassionate. However, it’s also important to remember that the adjuster whom you’re speaking to works for the insurance company, which is likely trying to pay you the least amount of money possible. For this reason it’s important that you only share with them the basics of the accident. This may include where it took place, when it took place, and the type of accident that transpired. Since injuries can show up or worsen as time goes by, it’s best to refrain from providing any detailed descriptions.
3. Decline being recorded.
Adjusters will often ask if it’s okay that they record your statement. They may infer that doing so would help to protect you interests. However, whatever you share or don’t share can – and most likely will – be used against you. That’s why it’s important to understand that you are not obligated to agree to it. Always remember that the adjuster cannot record you without your permission.
4. Don’t immediately agree to settle.
Accidents are often overwhelming. You may simply want the whole situation to go away or you may be desperate for money. However, you must keep in mind that as mentioned, your injuries may take weeks or even months to present themselves, and accepting an offer immediately may prevent you from receiving the full amount of compensation that you deserve for your injuries. Once you accept a settlement you cannot ask for any more money.
5. Consult with a qualified NM personal injury attorney.
There’s no doubt that insurance companies can be extremely intimidating. After all, they have a lot more money and power than you do. Unfortunately, many insurance companies will take advantage of this uneven power dynamic, convincing people that they are getting a good deal when they’re not. That’s why it’s in your best interest to consult with a qualified New Mexico personal injury attorney who has experience in dealing with insurance companies regularly.
MPJ Law Firm Can Help Those in NM Who Have Been Injured due to the Negligence or Recklessness of Another
If you have a loved one that has been injured in an accident due to the negligence of another party, it can greatly impact your life. It can be difficult enough to deal with your injuries, but it can be even harder when you are left to pick up the pieces financially. You should never have to pay the price for someone else’s mistakes.
At MPJ Law Firm, we have a deep understanding of personal injury accidents and understand the affect that such an accident can have on just about all aspects of your life. We will always act in your best interest. To learn more or to schedule a free consultation, contact us today!
Posted in: Automobile Accidents