Facts To Keep In Mind When Speaking With Adjuster
Insurance adjusters take part in negotiated settlements for dozens of injury cases each year. In order to deal with an adjuster, a claimant should know certain guidelines, regarding the ideal approach.
Have all the relevant information available.
That would include the names and contact information for all those involved in the collision. By the same token, the person negotiating with the adjuster ought to have the name of the insurance company that is paying for the adjuster’s services. Personal Injury Lawyer in Langley knows that if the plaintiff took any pictures of the damaged vehicles, or of the injuries, then those pictures should be shared with the adjuster. That could sway the adjuster’s mind and lead to introduction of a more generous offer.
Keep a log of all conversations
Adjusters have learned to include details on every conversation in a log. For that reason, any claimant that needs to negotiate with the insurance company ought to keep a log.
Have everything documented.
Get copies of all medical records. In order to keep the insurance company from going after all of the plaintiff’s past and current medical records, it helps to make copies of those that are relevant to the ongoing case. In that way, plaintiffs can hold onto the original records. Once all the above guidelines have been followed, it becomes time to contact the insurance company. The plaintiff/victim needs to contact the other party’s insurance company and file a claim.
What to expect after filing the claim?
Expect to get a call from the adjuster. Following your conversation with that member of the insurance company, you should receive an initial offer. Do not accept that first offer.
It could be quite low. In an effort to raise that low bid, it helps to have evidence that supports the claims, regarding the amount of money or valuables lost.
Speak with your employer and get proof of your lost wages. If you are self-employed, study the accountant’s books, looking for proof of lost earnings. If you have been disabled, and if you have had to pay for changes to your residence, then get proof of the fact that such changes have been made in your home. If a young person was injured, while riding in the impacted vehicle, speak with an attorney. Working with that lawyer, seek an extension of the statute of limitations. That should provide you with more time in which to study the extent to which your injuries or a passenger’s injuries have healed.
Remember that lawyers advise against starting negotiations until all injured victims have reached the point of maximum medical improvement. It becomes easier to follow that were proven guideline, after gaining the court’s permission for an extension of the statute of limitations.