An insurance adjuster's job is to examine a claim and offer compensation based on their assessment. When a person makes an auto insurance claim after a collision, they work with a claims adjuster to figure out how much they're owed under their policy. In some instances, the adjuster is from a driver’s own insurance company; in others, they're from the other driver's insurer. How much an adjuster offers you can make the difference between full and timely recovery, or a long and difficult process.
Here’s how insurance claims adjusters handle cases and how you should act protect your claim:
See Your Doctor as Soon as Possible
As soon as you are able, go see your doctor after your accident. If you need to make an insurance claim, one of the most important things you can do is document your injuries. Having a record of your medical condition immediately following the collision establishes a connection between your accident and your future medical condition.
Additionally, make sure you have all information about your accident stored in a safe place, and make copies of them before sending them to your adjuster. Collecting evidence of your medical needs, treatment, and costs will keep your adjuster honest. Make sure to keep receipts of transportation costs between your home and your medical care, receipts for car rental costs, and other costs associated with your crash.
Watch What You Say to Your Adjuster
In every instance, drivers should speak to an insurance adjuster with caution. After years of paying premiums, a person might assume that an adjuster will make them a fair and full offer on their policy. However, this is not always the case.
Claims adjusters work for insurance companies, and the company's highest priority is their bottom line. These companies directly benefit when you accept a lower offer than you deserve. So, adjusters will naturally try to get you to accept a low offer. Some may even deny your claim outright.
Adjusters are typically looking for claimants to make mistakes or admit fault during initial phone calls. While speaking with an adjuster is required under most policies, they might hold any mistake against your claim, so be careful. If you don't feel confident speaking to your adjuster, an attorney can actually answer the call on your behalf. Once an insurer knows you have legal representation, they are barred from calling you directly.
Denial Is Not the End of a Claim
The best way to fight a denied claim is to hire a car accident attorney. Adjusters are highly-trained and know how to wear claimants down and weaken their claims. A qualified car accident attorney will have the experience and negotiation skills needed to combat claim delays and denials.
At Handler, Henning & Rosenberg, our Pennsylvania car accident attorneys have fought for clients since 1922. Our firm has seen the insurance industry evolve from one that works on behalf of claimants to one that works on behalf of shareholders, so we are prepared to help you fight back. Our attorneys are skilled negotiators who are not afraid to take a case to trial if necessary. Our fierce representation has led to the recovery of tens of millions of dollars for clients. Call HHR today for help with your insurance claim.
Call our Pennsylvania car accident attorneys today at (888) 498-3023 for a free consultation of your case. Our experienced help is affordable because we only get paid if we win your case!