If you have gotten into a car accident, there are several things that the insurance adjuster will and won’t tell you so that they don’t have to pay you money for damages. The thing is that they will tell you a lot of things – but none of those things will be helpful for you in any way.
Here are a few things to know about car insurance adjusters and why an attorney can help.
Insurance Companies Are Businesses Not Charities
You should know that insurance companies are not charitable organizations. In other words, they are not in the business of helping you. The truth is that insurance companies are in the business of making money.
Insurance companies employ people who further their selfish interests, which are all about making money and profits. No one should have a problem with businesses, including insurance companies, making money. However, as a person who has rights, you should know that their interests to make money, which no one has a problem with, sometimes can be in contradiction to your rights.
Usually, this happens when you are involved in anything that requires you to potentially get money or compensation for damages from their insurance organization.
The Insurance Adjusters Are Not There to Help You
The employees of insurance companies are trained to maintain their finances, which is where the importance of hiring a personal injury attorney comes in.
Suppose you live in Wichita, and you have been injured in a car accident; your best bet is to hire one of the best personal injury attorneys in Wichita, as it will be in the attorney’s best interest to protect your rights and get the money from the insurance company so that you can pay for your damages, medical bills, etc.
The insurance adjuster is not there to help you by saying that they will have a look at the situation and treat you fairly in regard to your injuries and other damages. The truth is that the adjusters are there to treat you unfairly in regard to your injury.
Things Insurance Adjusters Can Tell You
The adjusters will keep saying a lot of things to you, such as the following:
- You need to make a decision.
- You are not going to get any more money.
- The lawyers are expensive.
- This case isn’t worth having a lawyer.
In other words, the adjusters will let you know about all sorts of horrible things that can happen to you if you hire a lawyer or go back to the doctor.
Things You Should Never Say to Insurance Adjusters
There are several things that you should never say to your insurance adjuster after a car accident. Have a look at this list below:
- Don’t give any “sorry” statements.
- Don’t use opinionated phrases, such as “I think/ I feel.”
- Don’t say that you are fine when the adjuster asks about your injuries.
- Never give out names.
- Never agree to record your statement.
- Avoid giving out unnecessary details.
The best thing to understand when communicating with an insurance adjuster is that they don’t care about you or your injuries or the damage that your car is in. They only care about their business.
Insurance Adjusters Aren’t Obligated to Tell You The Truth
Insurance companies are businesses, like any other business; their sole interest is making money – and you are trying to get money from them.
On that note, you should know that the insurance adjusters aren’t obligated to tell you anything that helps you or benefits you. There is no book of ethics for insurance adjusters, which is why there is nothing that prevents these people every day – day in and day out – from telling you things that are not accurate.
Also, when talking to the insurance adjusters, you should keep in mind that they are in the business of keeping the money instead of giving it to you.
Avoid Talking to Insurance Company Agents
The best thing to do is to avoid talking to insurance company agents or adjusters about the injuries that you sustained in a car accident. The best thing to do is to call an ambulance or get in touch with your doctor so that you can talk to them about your injury first.
If you talk to your lawyer first, they will also advise you to speak to the doctor first so you can be thoroughly examined for the injury that you sustained due to the car wreck. The doctor will be able to report the extent of your injury and then devise a treatment plan.
Surely, you will need to talk to a lawyer, so get in touch with the lawyer as soon as you are out of the hospital or you have called the ambulance to be taken to the hospital. The point is to let the lawyer deal with the insurance adjusters so you don’t have to do the needful.
Only Talk To Your Personal Injury Attorney
Now that we have established the fact that insurance companies are in the market to protect their money, the only way you can make them pay on a claim is with the help of your personal injury attorney. The insurance company will never pay you based on moral standards or because they believe that it is the right thing to do.
The only way the insurance adjusters will pay is because they have to. So, the only way you can make an insurance company pay is that you either have litigation or the threat of litigation. Ultimately, litigation will end in a trial.
Only one percent or even less of civil cases ever go to a trial and out of that one percent that goes to trial – only one percent lawyers take up the cases. This aspect indicates that the lawyers take full responsibility for ensuring that the entire insurance industry at large is paying these cases because there is the threat of the occasional verdict, and those verdicts can be big.
Remember – it is the occasional big verdict that keeps the insurance honest during court proceedings. So, instead of negotiating with insurance adjusters, allow your attorney to handle everything for you.
