What do I do If an Insurance Adjuster Calls Me?

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An accident can be frustrating, time-consuming, and costly. If you have an accident in the state of Georgia that was caused by someone else, you should file an insurance claim with their insurance company.

According to The Pendergrass Law Firm, after you make your claim and send in your documentation of expenses, your case will be assigned to an insurance adjuster. If the person who caused the accident does not have insurance, or if you caused the accident, you will have to make a claim with your insurance company, and your case will be assigned to that company’s adjuster.

It is an adjuster’s job to investigate your accident. Although they are supposed to be objective, they often try to save their employer money, and this might mean reducing or denying the money you deserve.

Why does the adjuster keep calling me?

If you are like most people, you cannot afford to pay all of your bills after a serious accident. Your health insurance may help out, but you still have to make your co-payments, and you may miss quite a bit of work.

Insurance companies are aware that you are desperate to get a settlement and will try to take advantage of that fact. They may call several times to try to get you to settle.

There are several actions they may take to trick you into settling. They may ask if they can tape-record their phone call with you, but most attorneys would advise you not to let them.

They may ask you leading questions or attempt to confuse you. If they can get you on tape making a statement that conflicts with previous statements, they may try to get out of paying you altogether.

Suppose you tell an adjuster that your left knee hurts after an accident the first time they talk to you, and a few weeks later, you tell them that you are experiencing headaches because of the crash. In that case, they might claim you are lying to get more money because you did not tell them about the headaches before.

Insurance adjusters may also ask about your actions during the accident in the hopes that you will admit fault.  They may also ask for more information about your medical records to see if you have a preexisting condition. Ultimately, their job is to get you to accept a small settlement or build a case to deny your claim.

What To Do if You Get Excessive Phone Calls

If an adjuster does not leave you alone, you should take notes on the conversation. You should speak of your accident in general terms. Do not let them pressure you into answering anything you can’t remember.

If they ask questions that do not seem to pertain to the accident, it is best not to answer them. They may ask you about your family and your job. They may try to get you to admit that you are performing certain duties at work or enjoying events with your family that you should not be able to do.

Talk to an Attorney

Before you sign for anything or agree to a settlement, you should talk to a personal injury attorney because a lawyer can tell you if a settlement offer is a good one. They can negotiate with an adjuster on your behalf, and they can represent you in court if you need to file a suit.

If you are careful about what you say to an adjuster, document your case well, and hire a good lawyer, you can get the money you need to get well.

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