Be Careful What You Say to the Insurance Adjuster

Video Transcription:
Have you got an insurance adjuster that is trying to call you on the phone after an accident. Let me give you some simple ways to beat them at their own game.

When an insurance company contacts you about an accident and they’re potentially on the hook to pay money to you for your injuries, they’ve got one motivated goal. That is to not pay you or pay you as little as they possibly can. And, there are some common things they do to try to “work you” so to speak, into a position to where they can save money and pay less for your claim.

I’m going to call them the insurance adjuster but they might call themselves a claims representative or a customer service representative or your “friendly contact” from the insurance company but they are all there for the same purpose. Here are the things you should know.

  1. Many times they want to simply convince you that they have your best interest in mind and that they are going to fairly evaluate your claim.
     
  2. They would love to have you give them a recorded statement. Particularly right after the accident, before you know the extent of your injuries and have you make statements that you later have to change because the full extent of your injuries are known.
     
  3. They are going to look for a way to either deny paying you or for every excuse they can find for which you give them or for what the medical records show or for what the police report shows that they can reduce what they pay you.
     
  4. One of the ways they reduce what they pay you is to try to give you a quick settlement for a small amount of money soon after the accident and before you know the full extent of your injuries. But they know that you are going to have to sign a release of all liability and then they will be off the hook if they can get you to take a small settlement.
     
  5. They will suggest to you that they would like to know a little bit more about your claim by having you sign a medical authorization so they can just get your medical records but the form they send you to sign give them permission to access any medical record that you have ever had in your life which may have nothing and probably will have nothing to do with the accident.

These are the five things that you need to avoid to beat them at their own game.

Jim Dodson
A Florida injury lawyer, family man and avid cyclist who clients have trusted for over 25 years.