Do’s and Don’ts for Dealing with Insurance Adjusters After an Accident in New Jersey

After an accident, dealing with insurance adjusters can be one of the most daunting aspects of pursuing a claim. While their job is to investigate claims and facilitate payouts, it’s important to remember that insurance adjusters work for the insurance company – not you. Their ultimate goal is to minimize the payout to protect the company’s bottom line.

To ensure you protect your rights and maximize the value of your claim, it’s crucial to understand how to handle these interactions carefully. This guide outlines the key do’s and don’ts for dealing with insurance adjusters and explains how a personal injury lawyer can provide invaluable support during this process.

Do’s for Dealing with Insurance Adjusters

Here are things you should do while dealing with insurance adjusters:

Do Stay Calm and Polite

Dealing with an insurance adjuster can be frustrating, especially when you feel they are undervaluing your claim. Remaining calm and professional during all interactions can prevent unnecessary complications.

Do Report the Accident Promptly

After an accident, you must notify your insurance company about the incident as soon as possible. Most policies have strict reporting deadlines, and failing to comply could jeopardize your claim.

Do Stick to the Facts

When speaking to an adjuster, provide only factual and necessary details about the accident, such as:

• The date, time, and location of the incident.
• The parties involved.
• Any immediate injuries or damages.

Avoid speculating or offering opinions about fault. Keep your statements concise and to the point.

Do Document Everything

Keep a detailed record of your interactions with the insurance adjuster, including:

• Dates and times of phone calls or meetings.
• Names and contact information of the adjuster.
• Summaries of discussions and offers.

Also, preserve any emails or letters related to your claim for future reference.

Do Consult a Personal Injury Lawyer

Before providing a recorded statement or signing any documents, consult with a personal injury lawyer from DiTomaso Law. They can review your case, guide you through the claims process, and negotiate with the insurance company on your behalf.

Don’ts for Dealing with Insurance Adjusters

These are the things you shouldn’t do while dealing with insurance adjusters:

Don’t Admit Fault

Even if you think you were partially responsible for the accident, be careful not to admit fault to anyone, including the insurance adjuster. Determining liability is a complex process that involves gathering evidence and evaluating the circumstances. Any admission of fault can weaken your claim and reduce the compensation you receive.

Don’t Provide a Recorded Statement Without Legal Advice

Adjusters may ask for a recorded statement to document your account of the accident. While this may seem like a routine request, it can be a trap. Your words can be taken out of context or used against you to minimize your claim. Always consult your lawyer before agreeing to a recorded statement.

Don’t Accept the First Settlement Offer

Insurance companies often present lowball settlement offers early in the process, hoping that claimants will accept out of desperation or lack of knowledge. These initial offers rarely account for the scope of your damages, including future medical costs or lost wages.

Don’t Sign Anything Without Proper Legal Review

Whether it’s a medical release form or a settlement agreement, never sign any documents from the insurance company without first consulting your lawyer. Signing prematurely could waive your rights to pursue additional compensation later.

Don’t Overshare Information

While it’s important to provide basic facts about the accident, avoid discussing your medical history, financial situation, or other personal details. The adjuster may use this information to dispute the severity of your injuries or the validity of your claim.

How Insurance Companies Protect Their Bottom Line

Insurance companies are businesses, and their primary goal is to maximize profits. Adjusters are trained to use various tactics to minimize payouts, such as:

• Downplaying Injuries: Suggesting that your injuries are minor or pre-existing to reduce the value of your claim.
• Delaying Payments: Prolonging the claims process to pressure you into accepting a lower settlement.
• Questioning Liability: Shifting blame or disputing fault to deny or devalue your claim.

Recognizing these tactics can help you avoid common pitfalls and protect your interests.

The Role of a Personal Injury Lawyer

Navigating the claims process without legal representation can be overwhelming, especially when dealing with insurance adjusters. A personal injury lawyer can provide essential support by:

• Evaluating Your Claim: Your lawyer will assess the full extent of your damages, including medical expenses, lost wages, property damage, and pain and suffering, to determine the fair value of your claim.
• Handling Communications: Your lawyer will take over all communications with the insurance company, ensuring that you don’t inadvertently say or do anything that could harm your case.
• Negotiating on Your Behalf: Insurance companies often take claimants more seriously when they have legal representation. Your lawyer will negotiate aggressively to secure a settlement that reflects the true value of your damages.
• Preparing for Litigation: If the insurance company refuses to offer a fair settlement, your lawyer can file a lawsuit and advocate for you in court.

By having a skilled attorney on your side, you can level the playing field and focus on your recovery.

Frequently Asked Questions

Here are some of the most common questions about dealing with insurance claims.

1. Can I Handle My Insurance Claim Without a Lawyer?

While it’s possible to handle your claim independently, having a lawyer significantly improves your chances of receiving a fair settlement. Insurance adjusters are experienced negotiators who may exploit your lack of legal knowledge.

2. How Long Does the Claims Process Take?

The duration of the claims process depends on the complexity of your case. Minor accidents may be resolved within weeks, while more serious claims can take months or even years.

3. What If the Insurance Company Denies My Claim?

If your claim is denied, your lawyer can review the denial, gather additional evidence, and appeal the decision.

Did You Suffer a Personal Injury? Call DiTomaso Law to Protect Your Rights in New Jersey 

Dealing with insurance adjusters after an accident can be stressful, but you don’t have to face it alone. At DiTomaso Law, we understand the tactics insurance companies use to minimize payouts, and we’re here to fight for the compensation you’re seeking.

Don’t let insurance companies take advantage of you. Call 856-414-0010 or fill out our online contact form to schedule a free case review with an experienced personal injury lawyer. We help clients in Cherry Hill, Voorhees Township, Haddonfield, and across New Jersey. Contact us today.

Disclaimer: This blog is intended for informational purposes only and does not establish an attorney-client relationship. It should not be considered as legal advice. For personalized legal assistance, please consult DiTomaso Law directly.