Most people would be required to work with auto insurance adjusters eventually. Despite you being involved in a minor or serious accident, your knowledge of how to deal with the insurance adjuster would be essential for seeking a fair resolution.
The car accident attorneys in Virginia explains how you could outsmart the insurance adjusters and stay ahead in your injury claim.
Find below a few tips on how to deal with auto insurance adjusters.
- Do not sign a medical release
The insurance company would ask you to sign a medical release. The document would give access to your medical information. They could ask you to produce records for an extended duration. They could be searching for a pre-existing condition that could be used for denial or reduction in your claim. Consider discussing with an experienced lawyer before signing a medical release.
- What you say would be used against you
Statements of the other party could be powerful evidence. If you say something to the insurance adjuster, they might use it against you later if the case goes to trial. They might twist the words or embellish what you had said or what it meant. Therefore, be prudent in what statement you give to the medical adjuster.
- Insurance settlements are forever
After you have signed a settlement and suffered additional losses after that, you cannot go back and seek more compensation. Do not miss future medical requirements or long-term lost income by signing a settlement agreement hastily. An experienced injury lawyer could help you thoroughly evaluate your specific damages.
- Correspondence is the key
A good way to outsmart the shrewd insurance adjuster would be to keep all your records in a single place. If the insurance adjuster looks forward to overwhelm or underwhelm you with paperwork, having it all in a single place to reference has been deemed vital. Using a designated folder for keeping paper documents in would ensure that you save copies of all email correspondence.
- Be ready for reservation of rights
During the process of making claim adjustments, consider receiving a document known as reservation of rights letter. The document says that an insurance company is ready and willing to discuss the claim. However, they might not admit the liability. When you receive the letter, consider discussing the letter with the lawyer to know what it is and its meaning.
Car accidents are the leading cause for people to deal with insurance adjusters. Regardless of the situation, the way you handle the situation would considerably affect the compensation you receive.