An insurance adjuster’s job is to resolve claims as quickly as possible for the lowest cost. As good a person as the adjuster may be, you have different goals. You want a fair and reasonable settlement, not the cheapest one. Giving information to and cooperating with an adjuster can do you more harm than good. Anderson Injury Lawyers can deal with the insurance company so you won’t have to.
If an insurance adjuster calls you, be very, very careful. They want to minimize how much money they pay you. That’s their job. It’s the insurance company’s job to be as profitable as possible, generate the best returns to keep their stock shareholders happy. One way to do that is to limit the claims they pay.
The adjuster might be friendly, they could sound like a nice person, and they might be a nice person, but that’s their job. They want to get on your good side so you’ll be more likely to accept a low settlement amount for your case. As friendly as the insurance adjuster might be, they are not your friend, and they aren’t acting in your best interest.
Dangerous Documents the Insurance Company Wants You to Sign
Be careful. Don’t sign any documents presented by the insurance company. There are two general types of forms they will give you:
- A medical authorization is used to get your medical records. It’s crazy to sign a blank medical authorization so the insurance company can go to every doctor you’ve ever been to and get private, confidential information related to your accident or not. Don’t sign it
- They will tell you to sign a release. The adjuster will claim you can put the accident behind you, the insurance company will pay your medical bills, plus there will be a little bit of money for your trouble. Don’t fall for it. Any release you get, especially soon after your accident, by no means will be fair. If you sign one, you will end your right to seek additional money or payments for medical care
Don’t sign any insurance forms, whether it’s release or medical authorization until you talk to a board certified injury lawyer at Anderson Injury Lawyers.
Facts are the Foundation of Your Case
Even discussing the facts of the accident, your injuries, and how they’ve affected you could harm your case. You may say something that could shift more of the blame on you. You may tell the adjuster inaccurate information. When talking about your health, you may normally try to be positive. That could result in the insurance company downplaying how much you’ve been hurt and lowering what they may offer to settle.
Without getting an attorney involved, you will never know your case’s settlement value. You might have a number in your head, and the adjuster will give you an amount, but you both may be far off. Depending on the severity of your injury, its impact on your life, and how much medical treatment you’ve received in the past and what you may need in the future, your case could be worth a substantial amount of money.
You won’t know your case’s worth until there’s a full investigation into your accident, including expert opinions on your injuries, how long limitations might last, and how they might affect your ability to work and support your family.
You also need to know the facts about the accident, who’s to blame, and why. Its cause may be more complicated than you think. Multiple parties may have played a role in what lead to your injuries, potentially increasing the number of those who should compensate you for what you’ve endured.
Talk to Us Before You Talk to an Insurance Company
Anderson Injury Lawyers are here to help you. Don’t expect an insurance company to play fair. If you want to level the playing field, contact us for a free consultation. We will talk about your accident, how Texas law may apply, what your case may be worth, and your best options for moving forward. Call us today at (817) 294-1900 or fill out our online contact form.