After an auto accident, you'll
meet another insurance company representative: the adjuster. While pleasant and charismatic, she acts on
behalf of the other driver’s insurance company when he negligently injured you.
She’s matter-of-fact and businesslike,
and, because insurance companies are in the business of making money, her primary
goal is to minimize your claim.
To receive the compensation
you deserve for your injuries and property damage, there are four types of
statements you should never make to an insurance adjuster.
1. “In My Opinion” or “I
Think”
An adjuster may ask you
several things in several ways, and all your answers will be used to prevent
you from getting your claim's maximum value.
If you do not know the answer to a question, say nothing and only state
the facts. Don’t guess or estimate
anything.
3.“I’m Not Hurt”
Volunteer nothing. Just because you may not have any visible
injuries, it does not mean you are fine. Some injuries may not show up right away and the
initial shock's adrenalin may prevent you from feeling the pain you may
experience in the ensuing days. Have a doctor
document any pain you may be feeling and avoid signing a medical release
without speaking to an experienced accident attorney.
4. Recorded Statements
You have no obligation to
give a recorded statement. Because what
you say to an insurance adjuster can be taken out of context, never agree to
provide a recorded statement.