Following an accident, you will file your car insurance claim. An insurance adjuster will then investigate your accident, study your insurance policy, and decide how much your insurance claim will be.
It’s important to approach your car insurance adjuster with respect. You also need to be well prepared. Car insurance adjusters work for the insurance company that profits by paying you less, so while you need to remain knowledgeable and respectful, understand that their primary goal is to put their company’s interests first.
Here are five tips on how to deal with a car insurance adjuster:
1. Stay calm and be polite.
It’s quite understandable that you will be feeling angry due to your accident and injuries; however, getting mad at your insurance adjuster will not help your insurance claim and can possibly worsen the situation. When talking to an insurance adjuster, you need to remain calm, composed, and polite. Showing a positive attitude towards your insurance adjuster may very well pay off.
2. Know your insurance adjuster.
Before going into details and discussing your accident with an insurance adjuster, you should get their name, address, contact number, and the insurance company they work with. Knowing these details may help you in case something goes wrong.
3. Give limited personal information.
When talking to an insurance adjuster, he or she may ask you a couple of personal questions. The only information you need to share with your insurance adjuster is your full name, address, and contact number. They may also ask you what your job is and where you work, which is okay to let them know; however, you do not need to inform them about your schedule and your income.
4. Don’t delve into too many details of the accident.
Insurance adjusters may try to ask you the details of the accident. Some may simply start a conversation with you and subtly get you to tell them the details. When facing this situation, you can share the most basic details of the accident such as where and when it happened, the vehicles involved, the type of accident it was, and the witnesses. If your insurance adjuster asks you for additional details, politely say that your investigation of the accident is ongoing and that you will provide them the facts at the right time. Later on, you will be writing a demand for compensation where you’ll describe the accident in detail.
5. Resist the temptation to settle immediately.
Your insurance adjuster may sometimes offer you to settle the claim in just one phone call. Resist the urge to get things done right away because if you take them up on their offer, the amount of your claim will be smaller than what it’s really worth. Although it’s tempting to do a quick settlement, it’s almost always going to cost you quite a bit of money.
Contact a Georgia Personal Injury Attorney
If you or someone you love has been injured in a car crash in Georgia, you may be able to file a personal injury claim for the losses and damages suffered. To ensure that you get the maximum compensation for your case, reach out to the dedicated Georgia car accident attorneys at Georgia Injury Advocates. We have the experience, knowledge, and resources needed to effectively pursue your claim. To arrange a consultation, call us today at (770) 766-0555.
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