How to Deal with Insurance Adjusters
The insurance industry trains all of its adjusters to pay as little as possible on claims. Some adjusters are rewarded with bonuses and promotions based on the amount of money they payout. There are many tactics the insurance industry uses to drive down the value of your case. Here are a few:
- Delay. Adjusters know using delay tactics wears a lot of people down to the point they just give in to an unreasonably low number because they just want to get it over with.
- Requesting Unnecessary Information. Another delay tactic that also works to make people think they do not have a case or that their case has problems.
- Disputing Medical Treatment. This tactic is the most immoral because who is an adjuster, sometimes someone without a college degree much less a medical background, to tell you what is and isn’t medically necessary.
- Nickel & Diming Medical Bills. Often adjusters agree to pay around 80% of your bills knowing you are unlikely to put up a fight with such small deductions. But, these add up and affect the overall value of your case too.
- Acting as your Friend. Adjusters are trained to build rapport and their is even evidence they are supposed to convince you they are acting as YOUR claims representative.
- Threatening your Settlement Value if you Hire an Attorney. Adjusters know people will react when presented a sum of money and then threatened to have it reduced. What they don’t tell you is the average settlement goes up 3.5 times in value when an attorney is involved.
Alpharetta Injury Attorneys Against Insurance Adjusters
Experience shows you will talk to an adjuster before you talk to an attorney. After all, the insurance companies know if they can get to you beforehand, they can position themselves as your “representative.” Remember, adjusters are only after information and arguments to lower the amount of money to pay you. You should only do the following when talking to an insurance adjuster:
- Write down the name, address, and phone number of every adjuster you speak to and his/her company;
- You can provide your name, address, and phone number;
- Take notes during EVERY conversation – they do in their “diaries”
- Ask the adjuster if there were any witnesses;
- Only describe your injuries in a very general sense. Do not give them specific injuries because they will later say you changed your story
NOW for the things you SHOULD NOT DO when talking to insurance adjusters:
- Do not give a recorded statement. This will only be used against you later on. Plus, you want to control your case and the release of information.
- Do not make friendly conversation with the adjuster. Stay business and only tell them the who, what, where, when. Don’t even tell them the How at this point.
- Absolutely do not agree to ANYTHING
- DO NOT SIGN ANYTHING. Insurance companies sometimes hide releases and other things on paperwork
- Do not give them any information about your family
- Do not give them the names of your doctors
- Do not sign a medical release. Your medical records are protected by federal law. The insurance companies will only use this release to dig through all your medical history, even things not related to the car accident.