The Ohio Department of Public Safety (ODPS) reports that more than 300,000 car accidents took place in the state in 2015, the most recent year for which data has been published. While some of these accidents are relatively minor, sadly, many others result in very serious injuries. If you have been injured in a motor vehicle crash, you will almost certainly, at some point, be contacted by an insurance adjuster; it may be your own company’s adjuster, or an adjuster from another driver’s insurer. Regardless, you need to be very cautious when dealing with the insurance company’s representatives. Here, our experienced car accident lawyers have put together our top five tips for dealing with insurance adjusters after a crash.
- Understand the Context
An insurance adjuster is a representative of their employer. If that insurance company is potentially liable for your damages (meaning that you are seeking a settlement offer from them), the insurance adjuster has a professional interest in limiting the value of your claim. They are simply not on your side. Only your own auto accident attorney will truly have your best interests in mind.
- Take Your Time
Insurance adjusters often attempt to get injured victims on the phone very quickly after their crash. In many cases, they do this before the victim is recovered and actually ready to deal with talking about their crash. If you are not feeling up to speaking to an insurance adjuster, you do not have to do so. You have a legal right to take the time you reasonably need to recover.
- Stick to the Facts
When speaking to an insurance adjuster, you should never speculate or give any opinions about: 1) Your accident or 2) Your medical condition. The best policy is to say as little as possible. If they ask you a question that cannot be answered with a simple factual statement, then decline to respond. Let your attorney deal with more complicated issues. Remember, insurance adjusters are looking to see if they can find anything to use against you.
- Get Everything in Writing
If you speak to an insurance company representative over the phone, be sure to get confirmation of all important details in writing. Beyond helping you limit confusion, this will also ensure that you have documents to hand over to your attorney for an in-depth review.
- Do Not Sign Anything Without Attorney Approval
Your signature is extremely powerful. When dealing with an auto accident injury claim, do not give it away lightly. Before signing any documents, including a release for your medical records, please be sure to seek approval from your lawyer. Your attorney will make sure that you do not sign anything that is against your interests.
Contact Our Office Today
Were you seriously injured in an auto accident in Northeast Ohio? We can help. Our team has the skills and experience necessary to hold the insurance company accountable. For immediate assistance with your claim, please contact Kryszak & Associates, Co., LPA today at 440-934-5330 or 1-888-934-5330.