Ewing & Willis
Your Hometown Legal Team For Auto Accidents, Personal Injury and Insurance Litigation
Your First Consultation Is Free 502-694-7420

Follow these tips when dealing with an insurance adjuster

Even a minor car accident can be very scary. In the first few minutes, you will probably experience fear, relief, more fear and confusion all amplified by an adrenaline rush. It could be hours or even a day or two to fully return to normal.

During that time, you will not want to make any decisions or give more than a yes or no answer to your doctor. But, what do you do when, within 24 hours, there is an insurance adjuster knocking at your door and badgering you to accept their estimation of the damages to your vehicle?

In general, what happens in the first few days following a car accident can have a major impact on how the insurance company processes your claim. For instance, if you were driving across Louisville to get to work one morning and another car rear ended you at a stop light, you could still lose your claim for damages depending on how you handle your interaction with the other driver's insurance adjuster.

Here are some tips to help you avoid some costly mistakes when dealing with an insurance adjuster.

Do not admit fault

After an accident, many people feel the need to apologize to the other parties involved, even if the person doing the apologizing is not at fault. Unfortunately, the insurance company can view this as an admission of guilt and use this as grounds to deny your claim. Therefore, to protect yourself, do not say or do anything that another party can construe as an admission of fault.

Do not claim to be uninjured

While in the immediate aftermath of a car accident it may seem like you are injury-free, do not make any statements that you are unhurt. Due to the adrenaline released in your body at the time of the wreck, it could take hours or several days before you begin to show any symptoms of an injury.

Instead of saying that you are unhurt or fine, do not make any comments concerning your health whatsoever when speaking with an insurance adjuster. Also, be aware of certain tactics they use such as making a follow-up call and asking how you are feeling. If you say you feel fine, even as an automatic response, the insurer can use this as evidence that you did not suffer an injury in the accident.

Do not get too detailed

When it comes time to talk to the insurance adjuster, keep it simple and stick to the basics. For example, do not offer an opinion on how or why the accident occurred. You can provide certain facts like where your car is located so the adjuster can examine it, whether or not anyone in your car was injured in the collision or what kind of treatment your doctor is providing for your injuries. If the insurance adjuster pressures you to provide details, let them know that everything they need regarding the how and when of the accident is in the police report.

If you have suffered an injury due to a car accident with a negligent driver, be sure to follow the above tips when dealing with the insurance adjuster. Even if it seems obvious that the other driver was at fault in the accident, a misstep when talking with the insurance adjuster can cost you.

No Comments

Leave a comment
Comment Information
Ewing & Willis, PLLC BBB Business Review Louisville Blogs Martindale Badge Superlawyer Badge
email us for a response

Ewing & Willis
6009 Brownsboro Park Blvd. Suite B
Louisville, KY 40207

Phone: 502-694-7420
Fax: 502-585-5858
Louisville Law Office Map

Back to top