3 Things An Insurance Adjuster Doesn't Need to Know

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Sharing Can Be A Bad Thing

If you have recently been in a car accident, you can expect a call from the other driver's insurance company. You must remember who this adjuster works for. Insurance companies do not make money by paying out claims and they will look for any reason to deny your claim or pay less. You are under no legal obligation to speak with the other driver's insurance adjuster, and it may be best to politely refuse.

You Can Say The Following To The Other Driver's Insurnance Adjuster

"My name is ...., my address is ....., and my telephone number is ...., if you have any other questions please contact my attorney at ......,"

3 Things An Insurance Adjuster Doesn't Need 

  1. A Recorded Statement 
  • Frankly, you should probably always refuse giving a recorded statement. Don't give the insurance company a permanent record they can later use against you. It is too much of a gamble to expect you to remember all the important details and answer all the questions in a way that protects your interest. Remember, the insurance company does not make money by paying out claims. 
  1. The Extent of Your Injuries 
  • Early on, after your accident, the full extent of your injuries may be unknown. A minor injury, over time, may manifest into a more serious problem. In addition, you don't want to make the mistake of leaving something out and having to explain that later to a jury or opposing counsel. You can simply tell the adjuster you are seeking or currently receiving medical care, you do not have to tell them where or from whom.  Your attorney can later provide the relevant medical records to the adjuster during negotiations of your claim.
  1. Signed Authorizations For Your Medical Records
  • An adjuster may want you to sign an authorization allowing them to get your medical records. By signing a waiver, you are then allowing the adjuster to get any and all medical records for your entire life, much of which is none of their business. The insurance company will look through psych records, medical history and anything else they want, in order to find a reason to deny or deminish the value of your injuries. 

If You Have Any Questions Regarding A Car Accident In Florida

Please contact Clifton Law Office, you can reach me at my contact page online or call me directly at 904-209-4883

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