By: admin | Date: 2020-03-10
If you have been in a car accident where the fault was not yours and got injured, you deserve to get compensation in the form of personal injury claims. With this amount of compensation, you can get proper medical treatment for your injury. Moreover, it also compensates for the loss you suffered in terms of money due to the accident. But, despite being eligible for the claim, getting injury claims is not as easy as it seems to be. Sometimes, taking any wrong step can cost you very heavily and you end up losing an amount of compensation.
When you file any personal injury claim, you have to deal with an insurance claim adjuster. If you don’t know about an insurance claims adjuster or don’t know how to deal with one, you may put yourself in trouble. That is why you should have proper knowledge about dealing with a claims adjuster. In this article, I will tell you about eight things to consider when dealing with an insurance claims adjuster. So that you don’t put yourself in trouble for making any mistake. But let’s start with the basics.
An insurance claims adjuster is a person who is appointed by the insurance company and investigates the case of the claimant. It is the adjuster who comes to the conclusion that what should be the amount of money a person should get..
Without a claims adjuster, the insurance company cannot determine whether they should pay the person who has filed the claim or not? Moreover, they cannot determine the amount of compensation they should pay the victim.
It is the core job of an insurance adjuster to determine whether the person, who has filed the claim, deserves to get the compensation or not. If that person is eligible to get the compensation, then what is the average payout one should get. A claims adjuster investigates the case by:
You will be able to get your claim money if you go through the investigation process successfully.
Usually, while dealing with the adjuster, people often accept the initial offer of the adjuster. They think that they will not be able to get compensation if they don’t accept this offer. This is a misconception. It is your right to negotiate for the amount of compensation if you are eligible for the claim.
The initial offer is usually low-priced and the adjuster uses different tactics to make you accept the offer. But if you think you deserve to get more or this and the amount being offered is not enough for you. You can negotiate and ask the adjuster to increase the amount of money.
Getting your amount of claim can become complex if you are unaware of what you should say and what you should not say to an insurance adjuster. So here are a few tips you should follow to deal successfully with the claims adjuster.
No matter what kind of situation is and how many times you are asked this question, always respond with no and never admit your fault. If they find out that you were at fault in the accident, you will not be able to get your claim. In this way, your case will end even before staring. So it is important to be determined on your stance and always no if asked about your fault in the accident. There have been some cases where people admitted their fault and got nothing as their amount of compensation.
Sometimes, the insurance company asks you to give you access to all your medical records. So that they can get some verification about your medical condition. Be very careful in giving your medical records to them. The reason is that sometimes they find some of your old medical records and identify some old injuries. In such conditions, they say that you are suffering due to your old injuries and not because of this accident. Hence, refuse to pay your amount of compensation claim.
The first settlement offer is usually too low and does not fulfill your needs. If you take this settlement offer, your case will end there and you will not be able to get more money despite you can. Sometimes, they use their persuasive tactics to induce you to accept their offer. They say that you may not be able to get more than this and this is the final offer. But remember, you should not get tricked by them and always negotiate with them to increase your amount of compensation.
Using words like “in my opinion” and “I guess” because when you do lose these words, they start to doubt your memory. By doing so, your chances of getting your claim money decrease significantly. It is important to be confident even if you don’t know the answer. Confidently answer their questions and never give any statement that shows your fault and negligence in the accident.
Overreacting and talking too much about the other party is not going to help your case. It is important to be calm and answer the questions of the adjuster in a peaceful way. If you overreact, you might say something that you are not supposed to say and put yourself into hot water. It can adversely affect your case and you may lose your case. So do not bad mouth about the other party during an interview or any conversation with the adjuster.
Dealing with an insurance claims adjuster is not easy. Taking any wrong step during the process of filing your claim can cost you very heavy amounts and you may lose your case due to your own mistake. An injury claims specialist knows the in-depth process of claims management. That is why an expert can handle your case more efficiently. Having an expert to represent your case will increase the likelihood of getting your injury claims. That is why you should never take your case in your own hands and always hire an injury claims specialist to get your claim.
In some cases, the adjuster offers you to provide a recorded statement about the accident. As a layman is not well aware of the claims management process, you might provide the statement that will prove against you and create trouble for you. That is why you should never provide any recorded statement before talking to an injury claims specialist.
When you are dealing with an insurance claims adjuster, do not provide any false statement that is difficult for you to prove. The best strategy is to stick to the facts and avoid adding any unnecessary details or exaggerating your case. Sometimes, people add some false facts in their case and get caught during an interview or screening of the documents. Doing any such thing will come under fraud and people you may lose your amount of claim money.
Dealing with an insurance claims adjuster is not easy. It requires a person to be vigilant and smart. Any mistake while talking to a claims adjuster can severely damage your case that can even lead to no payment of the claim money. So it is important to be aware of the things that you should not say to an insurance adjuster. In this article, I have told you about the 8 things to take care of when dealing with a claims adjuster. These tips are applicable to all types of personal injury claims.
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