Four Things Car Accident Victims Should Know About Insurance Claims Adjuster

Following a devastating car accident, you may have to work with an insurance claims adjuster to get compensation and benefits. However, insurance companies don’t have your best interest in mind, so they may make it hard for you to file the claim itself. Thankfully, once you go through the negotiation process, you can have your Miami car accident lawyer dealing with the adjuster for you. As a car accident victim, here are things you should know about claims adjusters:

An Adjuster Exists to Help Insurance Companies

Insurance companies are prone to devaluing claims or denying them to make money. A claims adjuster will need to close a claim as soon as possible by paying the least amount of money you don’t deserve. Because of this, you need to prepare yourself for the techniques these professionals will use to downplay your case. But, your attorney knows exactly the common tactics adjusters use.

You are Not Required to Give a Statement to an Adjuster

Following a car crash, the claims adjuster will try to get a statement from you. But, you should not say a thing to this adjuster to avoid saying something that can harm your claim. If you need to make a statement, do it after you consult your lawyer. Your attorney will tell you exactly what you can say to the adjuster. Insurance adjusters will take advantage of your ignorance of the law and your potential need for instant cash. By making a statement, you might end up saying that something that can be used against you. 

The Adjuster Will Try to Link Your Injury to a Pre-Existing Medical Condition

As the adjuster takes your statement, they will wait for you to say something that they can use to deny your claims. Thus, if you end up talking about a pre-existing condition, they will try to assert that your injury was caused by this condition, not the accident. They may ask you to sign a medical release form, so they can pull out your medical records and check your medical history. They may use this history to try to blame everything on your pre-existing condition. 

A Claims Adjuster Will Devalue Your Pain and Suffering

If you have sustained an injury, you may want to recover pain and suffering damages which include conditions such as PTSD, depression, and anxiety. The cost of such conditions is difficult to determine and often depends on circumstances. Unfortunately, a claims adjuster may use this subjectivity to devalue your compensation.