How To Deal With Insurance Adjusters After a Car Accident

If you are injured in a car accident due to another party’s negligence, you are likely entitled to recover compensation. But, this will also mean speaking with the other party’s insurance company. Insurance adjusters are known for being difficult and utilizing sneaky tactics to avoid providing you with the settlement you deserve. Read on to learn more about what you should expect when speaking with insurance adjusters.

Insurance Adjusters Are Trained to Negotiate

It is the job of an insurance adjuster to do what is in the company’s best interest, rather than yours. This means that they will use multiple tactics to avoid giving you the settlement you deserve. It is important to know this before speaking with an insurance adjuster. 

They are Not Required to Treat You Fairly

Insurance companies are not obligated to treat you fairly or promptly. Insurance companies will often delay or deny paying a claim to avoid paying money. In fact, if you do not accept their first offer, they may ignore you. This is done in an attempt to wait out the statute of limitations. If the statute of limitations passes, you will no longer be able to sue them. In New Jersey, the statute of limitations for a personal injury claim is generally two years from the date of the accident. 

Do Not Accept the First Settlement Offer

When an insurance company gives its first offer, it is usually unfair in the hopes that a vulnerable accident victim takes it quickly due to their mounting expenses. However, this can hurt you in the long run and you should never accept the first offer.

They Will Try to Avoid Paying Medical Expenses

Insurance companies may claim you are lying about your injuries or trying to commit fraud in order to avoid paying you.  Be sure to keep copies of all records of doctors visits for your defense. Additionally, avoid posting on social media, as they will attempt to use it against you. 

You Do Not Have to Take Your Car to Their Recommended Body Shop

It is important to know that you have the right to choose where to get your car repaired and do not have to use the shop recommended by the insurance company. In fact, they likely have an arrangement with their autobody shop and you may not get an honest estimate. 

If you have been injured in a car accident, you will need a strong advocate. Our firm is here to walk you through every step of the process and help you fight to recover the compensation you deserve. Contact us today to speak with a dedicated personal injury attorney.

Contact our Experienced New Jersey Firm

If you have been injured due to the negligence of another party and wish to speak with an attorney, contact the Law Office of Christopher T. Howell, Esq. today.