If you’ve been in an accident, you know that the insurance company will send an adjuster to assess the damage. You might think the adjuster is there to help you, but that’s not always the case. In fact, there are a number of reasons why you should be cautious when dealing with an insurance adjuster. Here are seven of them.
1. The adjuster works for the Insurance Company, not you
It’s important to remember that the insurance adjuster works for the insurance company, not you. Their job is to save the company money, not get you the best settlement. If you are still confused, learn more about insurance adjusters from reputed websites such as www.fernandezfirm.com.
2. The insurance company wants to settle your claim as quickly as possible
The sooner your claim is settled, the sooner the insurance company can move on to other claims. They will often pressure you to accept a lowball offer so they can close your file.
3. The insurance adjusters are trained to minimize payouts
Insurance companies train their adjusters to be tough negotiators. They will try to get you to agree to a settlement that is less than what your claim is worth.
4. The insurance company will use your own words against you
When you’re talking to the insurance adjuster, be careful about what you say. They will take anything you say out of context and use it to minimize your payout or deny your claim altogether. An insurance adjuster may ask questions to get you to say something that can be used against you, such as admitting fault for the accident or accepting liability for damages. Be mindful of what you say and stick to the facts.
5. The insurance company may try to videotape or record your conversation without your knowledge
In some cases, the insurance adjuster may try to videotape or record your conversation to use it against you later on. Always be aware of what’s happening around you, and never sign anything without reading it first.
6. The insurance company may try to Lowball you with their first offer to save money
Initial offers are almost always lowball offers designed to save the company money. Don’t accept the first offer without consulting with a lawyer first. You could be entitled to much more than they’re offering you.
7. The insurance company may stall in hopes that you’ll give up and go away
Sometimes, the best thing an insurance company can do is nothing at all. If they stall long enough, they may hope that you’ll get frustrated and give up on your claim altogether. Don’t let them take advantage of you – stay assertive and contact a lawyer if necessary.
Dealing with the insurance company after an accident can be a difficult and confusing process. It’s important to remember that their adjusters are not on your side. They are trained to minimize payouts and will do whatever it takes to save the company money. Be aware of their tactics, such as lowball offers, stalling, or trying to record conversations without your knowledge. If you feel like they’re not treating you fairly, don’t be afraid to consult with a lawyer who can help you out.