Do You Know What To Do If An Insurance Adjuster Calls?
After an accident, the insurance company will call the person who suffered a personal injury to gather information. The insurance adjuster is hoping to get information to use against the injured person. They call quickly, hoping the injured person has not yet hired a personal injury lawyer. Be prepared.
1. Do Not Give a Statement Without a Personal Injury Attorney Present
In order to protect yourself, you need to call a personal injury lawyer as soon as possible after a crash and not give a statement to the insurance company until you have hired a personal injury lawyer. In fact, it is a good idea to have a personal injury lawyer in mind to act as your representative in case something ever happens. You should let family members know who you want representing you, too.
2. You Do Not Have a Legal Obligation to Give the Insurance Company a Statement Before Hiring a Lawyer
If the insurance company tells you that you have a legal obligation to give them a statement, that is not true. If they tell you that you will not receive a settlement or have your medical bills paid if you do not give a statement, that is not true, either. There is absolutely no legal obligation to speak with the insurance company for the person who caused your personal injuries. Speaking to the insurance company can only hurt you. Also, there is no obligation to sign any paperwork or medical record authorizations, either. The insurance companies are not looking out for the benefit of the injured person, they are only trying to limit what they have to pay out in order to increase company profits, even if it means not paying legitimate and just claims. Allstate generated $35 billion in revenue in 2014 and State Farm ended 2014 with a net worth of over $80 billion, so, do not let these, or any insurance companies, manipulate you into taking less money than you deserve.
3. Hire a Personal Injury Lawyer as Soon as Possible
Hiring a personal injury lawyer early on is important for many reasons. First, it allows the attorney to investigate your case and talk to witnesses, photograph the scene and take measurements and have the crash reconstructed by experts if necessary, before the evidence disappears. The insurance company is doing this, so you need someone working for you immediately. Also, your attorney will be able to take away your stress by dealing with the insurance company, helping with medical bill collectors and taking care of things for you, so you can focus on recovering from your injuries. Of course, your lawyer can do a lot more for you as part of their service if you hire a full service injury firm to handle your case. For example, Kelly Law Offices will handle your property damage for FREE, negotiate all of your medical and insurance liens for FREE, and we GUARANTEE our fee will never exceed your recovery. Not many firms can make those claims. Contact a personal injury firm early and make sure their legal team is ready to represent you in all aspects of your case and hold your hand through your recovery.