It’s time you learned the truth about the role insurance adjusters plays in your personal injury case. The insurance adjuster, or claims adjuster, is the representative from the defendant’s insurance company who investigates the claim to determine how much, or if, the insurance company owes you for damages or losses.
He’s the one who will call you after the car accident or motorcycle accident to investigate the facts, assess the damages of the claim, and reserve the appropriate amount of money to pay your claim. The insurance adjuster doesn’t think like we do and has a different goal in mind. His mission is to pay you as little money as possible to settle your claim as quickly as possible.
For these reasons, the team at Petro Accident and Injury Attorneys advises our clients to think like insurance adjusters in order to increase their personal injury compensation.
How to Think Like an Insurance Adjuster
By understanding how insurance adjusters think and what is important to them, you can be smart and maximize how much compensation you receive in a personal injury case.
1. Insurance adjusters don’t work for you.
No matter how friendly they are, insurance adjusters are not on your side. They don’t work for you – they work for an insurance company, and their ultimate goal is to make their boss money.
2. Insurance adjusters want you to admit fault.
Insurance adjusters are masters of persuasion. They will ask strategic questions to try to pry out a confession of guilt on your part and put as much fault on you as possible. Trust us, no matter how nice you want to be, this is not the time to say, “I’m sorry.” If you do, the insurance company may even deny the claim from the get go.
3. Insurance adjusters will use your recorded statements against you.
It is essential to watch what you say to insurance adjusters. As cliche as it sounds, anything you say can and will be used against you. The adjuster can even use the recorded statement out of context to hurt your claim. Avoid disclosing too much to adjusters and call a personal injury attorney before you give any statements.
4. Insurance adjusters will surveil you.
Believe it or not, insurance adjusters will surveil you to prove that your injuries are not as serious as you’ve claimed. They may watch your house from the street to see if you do anything that could prove you are feigning an injury. They may even troll your social media accounts! This is why we advise personal injury victims to limit their social media posting after the injury.
5. Insurance adjusters know their settlement offer is too low.
Have you received an early settlement offer from an insurance company? Even if it seems like a large settlement, chances are the offer represents way less than you really deserve. The insurance adjuster knows this but hopes that you are desperate enough to accept it.
6. Insurance adjusters will exaggerate the urgency of the settlement.
Yes, insurance adjusters will rush you. They are hoping they can entice you with the low ball offer mentioned above and have you sign away your rights to additional compensation. While there is a statute of limitations in personal injury cases, you don’t have to be in such a hurry to accept a settlement. Take time to make an informed decision. Consult with a personal injury attorney to determine the value of your personal injury claim.
Call Mark Petro at Petro Accident & Injury Attorneys
One of the main reasons personal injury victims fail to take legal action is because they assume the insurance company will take care of everything in their favor. Unfortunately, that is not always the case. Insurance companies are profit-driven businesses and are often more concerned with their bottom line than the victim’s wellbeing.
Is insurance working against you? Call Petro Accident and Injury Attorneys today for a free consultation about your personal injury case. Mark Petro has built a reputation of being the go-to guy to get injury claims handled in a manner that maximizes the amount of recovery so that you get what you deserve sooner rather than later. Call Mark and let us fight for you!