Should I trust my insurance adjuster?

Can You Trust the Insurance Claims Adjuster in Your Personal Injury Claim?Insurance adjusters are the people who determine how much money the insurance company should give you in r

Should I trust my insurance adjuster?

Can You Trust the Insurance Claims Adjuster in Your Personal Injury Claim?

Insurance adjusters are the people who determine how much money the insurance company should give you in response to your personal injury case. They do this by weighing your version of events, the evidence on hand, the other partys liability, and other important variables.

As you might imagine, these people have a lot of power  and unfortunately they often dont use it in your favor. Read on to learn more about insurance adjusters: how their goals differ from yours, how they try to get what they want, why you shouldnt trust them, and how to avoid getting caught in their web.

Whats Their Motivation?

Insurance adjusters arent public servants. They work for insurance companies who are the final arbiters of their success or failure. And while insurance companies are tasked with paying out money to people whove been wronged, their bottom line depends on them being a little stingy.

And so the insurance adjusters primary task is to dig in their heels and put up a fight. They arent going to want to pay unless they can absolutely prove that youre owed that money  or unless its easier to pay out than it is to deal with you or your attorney pushing back and demanding what youre due. And even when they do pay you, its likely to be far less than what youre asking  if you dont have an attorney, that is.

In other words, the insurance adjuster isnt your friend, and they definitely are not after your best interests.

How Insurance Claims Adjusters Try to Trick You

Ideally, you shouldnt even be talking to the insurance adjuster yourself because they have a ton of tricks they can use to manipulate you.

For instance:

  1. They tell you you dont need an attorney. An attorney is an experienced advocate who knows how to navigate the insurance companys tricks. When you go with the insurance adjusters advice and dont hire an attorney, you make the adjusters job far easier  and you make it far likelier that youll walk away with a tiny settlement, if any. They know and thats why they try to get to you early before an attorney gets in their way.
  2. They try to get you to give up your medical records early on. Yes, you may need to give up your medical records at some point in the process of pursuing your claim. But you shouldnt give them up without having an attorney backing you up. The attorney will advise you on what to sign over, and theyll frame your case in the best light possible.
  3. They try to pressure you into settling fast. They know as well as you do that youre emotionally exhausted after your accident, and need to be paid what youre due. Theyll leverage this fact and pressure you to take their initial lowball offers, just to get you to shut up and go away. Because you dont have the energy to fight, and you dont know what youre owed, you might just go along with it.

How to Negotiate and Get What You Need from the Insurance Company

With all the power insurance adjusters have, its easy to think you dont have any recourse. Thankfully, with a few common sense tips, youre far more likely to come out on top:

1. Dont Get Recorded

Having someone record your recounting of events may seem like a great way to bolster your case. After all, it gives you a tangible record of what youve said over time.

But any recordings you make will be compared with your statements, past and present. Insurance adjusters will go through your account with a fine-toothed comb, looking for any exaggeration or discrepancy. Dont give them the rope they need to hang you!

2. Document Your Injuries and Tell Your Doctor Everything

Schedule an appointment with your doctor as soon as possible after your accident. When youre in the office, be 100% transparent about everything that youre experiencing  physical, mental, and emotional. Even if a symptom feels small or unrelated, be sure your doctors recording it.

Be sure to schedule follow-up appointments, and notify your doctor if your symptoms change over time. By following this advice, youll have a clear, reliable record of your condition, put together by a medical professional  and itll be that much harder for the insurance adjuster to dispute your account.

3. Stay Off Social Media

You may be in pain but those happy, smiling pictures of you on a hike you leave on your social media post may tell a different story. So stay off social media for a time until your case is settled. Insurance adjusters will use those pictures against you, and even though you may know better, that may scare you into submission. And if your case ever goes to arbitration or a trial, those pictures can come back to haunt you.

4. Dont Take the Insurance Adjusters First Offer

Remember, the insurance company is after their own interests  not yours. So, naturally, they are going to give you a lowball offer. Dont take it. And dont believe them when they say its their final offer. They know if you go to see an attorney, you will most likely get many times the amount they are offering you. They will do anything in their power to keep you from seeking legal advice  including doubling or tripling their first offer!

5. Hire a Personal Injury Attorney

Maybe the most important step toward success in your personal injury case is to hire an attorney. A personal injury lawyer is a compassionate expert with the knowledge and skill needed to get you the best outcome possible.

The minute you bring an attorney onto your case, the insurance company knows youre serious. Your attorney knows when and how to apply the right kinds of pressure, to get the money you deserve. Attorneys also know how to frame your story so the insurance company  and possibly a judge and jury, if your case is brought to court  will view your arguments in the best light.

While hiring an attorney may seem like an expense you cant afford, the vast majority of personal injury attorneys know their clients cant pay them out-of-pocket. Instead, these attorneys receive their payment as a portion of the money you gain at the conclusion of your case. So put that fear aside.

PLUS, an attorney usually can get you far more in compensation than you can get on your own. So if you think doing it on your own is going to get you more money, you are quite possibly wrong. In most cases, youll come out way ahead with the help of an attorney.

Insurance adjusters are professionals who spend all day undermining personal injury cases like yours, and pressuring accident victims into taking paltry settlements. You cannot trust them to look after your best interests. By taking simple steps like avoiding being recorded, keeping detailed records, staying off social media, and hiring a reputable personal injury attorney, you can avoid their tricks and come out on top with full compensation for your injuries and suffering.

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Youd dont have to say yes to the insurance companys small sum!

If youre in the Danville, Pleasanton, Livermore or San Luis Obispo areas and need a personal injury attorney, I can help get you full compensation.

Call me now. I will listen and take the time to carefully evaluate your case. If I cant take your case, Ill tell you why and give you advice on what to do next. Lets get started!

Call(925) 648-2075or submit your request via our online email form:

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Tom serves the entire San Francisco East Bay and San Luis Obispo area including the towns of Danville, Pleasanton, San Ramon, Walnut Creek, Dublin, Livermore, Alamo, Sunol, Paso Robles, Atascadero, Pismo Beach, Cambria, San Simeon and all points in between.

Written by Tom Sokat on April 5, 2019. Posted in General Accident Case Info

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Tom SokatTom is a personal injury attorney with over 30 years experience. He has two offices in the East Bay, one in Danville, another in Pleasanton, and one now in San Luis Obispo. He is passionate about being the champion for the little guy and getting them compensation for their injuries when due.

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