So you’ve just gotten back from the hospital after your car or motorcycle wreck and now there’s a stranger from some insurance company wanting to know all about what happened in the crash. What do you do?
Here’s the best thing to do: If you don’t have a car accident attorney, think about meeting with one- especially if you've been in a motorcycle accident. That stranger you’re facing is a trained professional, the insurance claims handler or adjuster, who’s trained to make you think he’s on your side. But he’s not. And sometimes he’s not nice. And no, they don’t return calls promptly, if at all.
But if you do take the risk and return the call, you should beware of tactics that adjusters typically use—and you should know our tips for handling them.
If you're worried about talking to the adjuster without some legal advice, don't. Get your questions answered in a free, no pressure strategy session with a Spartanburg, SC car and motorcycle accident attorney. Call toll free at 888-230-1841 or fill out a Get Help Now form.
Five Sneaky Things Adjusters Do…And Our Tips for Winning
Adjuster tactic 1: Demanding a recorded statement
You don’t have to give one. And if you do, anything you say can and will be used against you. The reason they say they want a recorded statement right after the crash may seem innocent—“Your memory is fresh”—but the truth is, you’re still in the shock and pain of the crash and you’ll probably forget something or worst of all, blurt you don’t remember exactly how the crash happened or misstate something the adjuster can use to interpret you were at fault. That could result in a total denial of your entire claim.
Insurance adjusters use these statements to devalue your claim, like when you end up hurt worse than you thought at the time of the statement, or you couldn’t find the words to describe all your injuries. A recorded statement can be used against you at trial.
If you are hurt badly or unsure about the outcome of your medical treatment, don’t do it. People tend to downsize their pain or just not talk about it so they can get off the phone. They also forget to report every aspect of the damage they incurred. Also, for serious injuries, that list tends to grow as time goes on. The truth is, you need a professional to handle your case—a skilled injury lawyer. Contact our lawyers by calling 888-230-1841 or fill out a contact form here.
Adjuster tactic 2: Asking about prior injuries
The most dangerous question the adjuster might ask is, “Have you ever had injuries similar to this?” If you have, you need to be extremely careful about answering this. A similar injury from a very long time ago can be used by the adjuster to deny you compensation, even if it was totally healed before the accident.
Even if you have a prior injury you were being treated for at the time of the crash, you can be compensated if the crash makes it worse. Be specific with all medical providers how the crash made it worse.
Adjuster tactic 3: Ask for authorization to look at all your private protected health information
Do you really want a stranger going through every single doctor record you’ve ever had? Especially when he’s trying to find you had a similar, totally unrelated problem years ago, so he can say you’re not hurt from the crash and you’re not entitled to any money? Don’t do it.
Have you spoken to an insurance adjustor after your accident? Regardless of whether or not you have, call us at 888-230-1841 or fill out a contact form describing your situation.
Adjuster tactic 4: Deny you a rental car
The adjuster may tell you the insurance won’t pay for temporary transportation because you can't prove the wreck wasn't your fault (and you surely haven’t budgeted for a rental car).
Our tip: At the scene of the crash, you will be given a green form called an FR-10 to give to your insurance agent. That form will have a box near the middle where the officer circles who was at fault. That ought to get the adjuster to get you a rental car until he pays to fix your car or pays the fair market value of the one the at-fault driver totaled. Be sure to get a crash report as soon as possible after the crash in case you need to make it clear to the adjuster he owes you a rental car. Your insurance agent or car accident lawyer can also help you with this.
Adjuster tactic 5: Refuse to pay you for the property damage on your car so you can get a new one until you prove the value of it
There are many ways to prove the value of your car that can be done very easily—for example, you can go to Kelley Blue Book on the Internet to find the replacement cost of your vehicle.
Our Top Tip of All, if Your Case Falls into One of These Categories
Accidents Caused by Drunk Drivers.
If You're Seriously Hurt in a Car or Motorcycle Accident, An Experienced Spartanburg Lawyer Truly Can Help.
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