After an accident, the insurance adjuster is the person who holds the checkbook. They might sound friendly, asking about your family and your injuries with genuine-seeming concern. But make no mist...
After an accident, the insurance adjuster is the person who holds the checkbook. They might sound friendly, asking about your family and your injuries with genuine-seeming concern. But make no mistake: their job is to save the company money, not to help you. Adjusters are trained in psychological tactics designed to lower the value of your claim. Knowing their playbook is the only way to level the playing field.
The 'Friendly' Approach
The most disarming tactic is kindness. They want you to let your guard down. They might say, 'We don't need lawyers involved, we can work this out between us.' This is a trap. They know that once you hire a lawyer, the value of your claim statistically goes up. They want to settle with you quickly and cheaply before you realize the full extent of your injuries.
The Recorded Statement Trap
They will pressure you to give a recorded statement immediately, often implying your claim can't be processed without it. This is false. They use this recording to fish for inconsistencies or get you to downplay your pain ('I'm feeling okay today'). These soundbites will be used against you later.
Delay, Deny, Defend
This is the classic industry strategy. They DELAY your claim by asking for endless paperwork or switching adjusters. They DENY liability or coverage based on technicalities. And they DEFEND the case aggressively if you sue, hoping you will give up and accept a low offer just to end the stress.
Requesting Blanket Medical Authorization
They will ask you to sign a medical release form to get your accident records. But often, the form is a 'blanket' authorization that lets them dig through your entire medical history. They are looking for old injuries to blame your current pain on. Never sign these forms without a lawyer's review.
How to Protect Yourself
The best defense is a good offense. Don't talk to the adjuster about your injuries. Direct all communication to your attorney. When they know you have professional representation, the games usually stop, and the real negotiation begins.
Contact Emas Law Group Today
You wouldn't go into a surgery without a doctor. Don't go into an insurance negotiation without a lawyer. Emas Law Group knows every trick in the book because we deal with these companies every day. Let us handle the adjuster while you focus on getting better.
Frequently Asked Questions
Do I have to talk to the other driver's insurance?
No. You have no legal obligation to speak to the at-fault driver's insurance company. You should refer them to your lawyer.
Do I have to talk to MY insurance?
Yes, your policy likely requires you to cooperate with your own insurer. However, you should still have your lawyer present or guiding you.
What if they offer me a check right away?
Do not cash it. Cashing the check often acts as a release of all claims, meaning you can't get more money later.