Immediately following an accident, an insurance adjuster will contact an
injured person to discuss their claim. Before you talk to any representative
of the insurance company, it is important that you understand how the
claims process works from the insurance side. You should be aware of the
tactics and strategies that they use, as well as how you should act during
Here is what you need to know when talking to insurance adjusters:
- Insurance companies don’t want to maximize your payout.
In fact, they want to pay you as little as possible, even going as far
as denying valid claims. The reality is that insurance companies are in
the business to make money, and it is in their interest to minimize their
payout to you as much as possible. Offering you a lowball settlement is
almost expected from insurers, so don’t be surprised if you find
yourself in an uphill battle to obtain a fair compensation.
- You are not obligated to give a recorded statement.
An insurance adjuster will contact you immediately after an accident and
ask you to provide a recorded statement. This is not required. Insurance
adjusters want to catch you off guard and document you saying something
that can be used against you. We recommend that you decline to provide
a statement and have the adjuster discuss the case with your attorney.
- You don’t need to settle right away.
The adjuster will likely pressure you into accepting their first offer,
which is always a very low offer that they know is not enough to compensate
you for your damages. Never accept the first offer without having an attorney
evaluate whether the offer is fair.
- You can negotiate your settlement.
Settlements can be negotiated if you believe that you are entitled to a
higher compensation. When you are negotiating a claim, make sure that
you provide evidence that you are entitled to more compensation. Better
yet, have an experienced attorney negotiate for you to help you get a
- Insurance companies will try to dispute your medical treatments.
In order to justify paying out less compensation, insurers will attempt
to dispute certain medical treatment terms by either claiming it was not
needed or not covered. But when you work with an attorney, he or she can
negotiate on your behalf.
- Insurance companies don’t want you to hire a personal injury lawyer.
Insurers will often try to convince a person that hiring an attorney is
costly and unnecessary – mostly because insurers don’t want
to deal with attorneys. They know that attorneys are informed about the
claims process and willing to litigate in order to recover a higher settlement.
Protect Your Rights – Call Our Personal Injury Attorneys
Talking to insurance adjusters can be intimidating and frustrating, especially
if you are already suffering from a painful injury. From our offices in
Poughkeepsie, Ellenville, and NYC, Mainetti, Mainetti & O’Connor is ready
to provide aggressive and personalized representation to the injured across
New York. With nearly 85 years of collective experience and a long list
of impressive recoveries, our
personal injury lawyers have the resources and knowledge to handle all types of personal injury cases.
Start with a no-cost consultation. If we accept your case, we only charge
legal fees once we recover compensation for you.