Any time you report an accident to an insurance company, you can expect the adjuster to give you a call to find out what happened. It is the adjuster’s job to evaluate the incident and try to determine whether their insured will be responsible for the damages caused. Because the adjuster works for the insurance company, he or she will be looking for ways to deny the claim, and to save the company the money that goes along with paying a claim. In order to avoid causing damage to your case early on, it is wise to decline to speak with the adjuster until you have consulted with a knowledgeable personal injury attorney. A skilled attorney will investigate the facts of your case and help pinpoint the cause, so any statement you make will present the facts in a light most favorable to your position.
Here are three good things to keep in mind when approached by an insurance adjuster after an accident, whether the call is from your own provider or from the company that insures others involved in the wreck:
- Do not admit fault, or make any statements that could be construed as an admission of liability. When accidents happen, most people involved are “sorry” to have been part of the incident. This is true whether they are the actual cause of the wreck, or the victim. However, saying “I’m sorry” could be interpreted as an admission of fault, and when that is not the case it creates a difficult obstacle to overcome when trying to reach a resolution.
- Avoid speculating about what happened, anytime you offer an opinion you leave the door open for an alternate explanation of the events. Any time an insurance adjuster can come up with other plausible scenarios, you decrease the chances of reaching a full recovery.
- You do not have to give an official statement. If you are uncomfortable talking to the adjuster, you do have the right to decline to do so. Rather, you can give your version of events to your attorney and allow those facts to be presented on your behalf.
Because contact with the insurance company is one of the first steps in a personal injury case, it is critical to get it right. Our office can help by listening to your needs and developing a strategy that fits the facts.
If you have been in an accident, call our office to learn your options. Let an experienced attorney help you figure what is best for you. Call a Bloomington, Minnesota personal injury attorney today.