Right after you have been involved in a car accident, the next thing your mind should be focused on is how to talk to insurance claims adjusters. At the same time, your mind should also be focused on getting adequate healthcare treatment for yourself if you injured yourself in the accident and also if your car got damaged and needs to get prepared. The fact still stands that you are going to talk with an insurance claims adjuster and you also need to know how to apply yourself in such situations.
If you end up handling a conversation between you and an insurance claims adjuster the wrong way then you stand the risk of having your settlement reduced but the most important thing is keeping it in mind that the claims adjusters isn’t your friend. What they do is to work for the insurance company and the goal of every claims adjuster is to make sure that you receive only a little amount of money in your settlement.
Various tactics can be used in order to come to a final settlement and even though claims adjusters tends to be very friendly, they are also strict negotiators.
How To Talk To Insurance Claims Adjusters
Stay Calm And Polite
Even though you are still angry about the accident you have been involved in especially if another person was at fault for the accident, that isn’t the right way to go about it. You do not need to be angry at the claims adjuster assigned to your case because it would not help you in getting a fair settlement either. When speaking with an insurance adjuster, the best way to act is to be polite and calm because it would help in convincing them that you have a true story and that your claims are valid.
Know The Person You Are Talking To
One thing you need to do is figure out the name, business address and phone number of the person or claims adjuster that you are talking to. You should also be able to verify the insurance company that they represent and also the business or name of the policyholder they are covering.
Do Not Give Out Too Much Personal Information
What you should give out to the insurance claims adjuster about yourself should be limited information alone but this information should include your name, telephone number and address. You should also be free in telling them where you work and what your job description is. Furthermore, you should desist from giving out any further information about yourself including your income and what your daily schedule is like.
Do Not Give Out Details Concerning The Accident
Insurance claims adjusters can also ask you to give them information about the details of the accident but you do not need to give out so much information about the accident apart from the basic details. This details should involve the vehicles involved, where it happened, when it happened, witness and drivers identity. You are also free to tell the insurance claims adjuster that you are still ongoing with your own investigation regarding the accident and with time, you would be able to give out certain facts.
Do Not Disclose Details Of Your Injuries
The insurance claims adjuster would be interested in knowing the details of your injury but you should not go into any details. This is because you may not be able to ascertain the full extent of your injury or you may forget to give out some key details. The best thing for you to do is tell the insurance claims adjuster that you are still receiving treatment and you should just leave it at that.
Turn Down First Settlement Offers
It is possible that you might be offered an initial settlement for your claims and it can be tempting sometimes to take an early offer. One thing you should know is that initial offers in most cases are way below the ideal settlement that you deserve so it is wise that you do not be quick in accepting an offer till you are able to determine the full extent of all you have lost. This would help you in accepting an offer that would be able to cover for all your expenses.