If you’ve been in a car accident, dealing with insurance adjusters is an inevitable part of the claims process. Knowing what to expect can help you protect your interests and ensure you receive fair compensation. Here’s how the process typically works:
1. Initial Contact and Information Gathering
Shortly after the accident, an insurance adjuster will reach out to gather details about the incident. They’ll ask questions about the accident, any injuries, and property damage.
What to Do: Stick to the facts. Avoid speculating about fault or minimizing your injuries, as your statements may be used against you.
2. Reviewing Police and Medical Reports
The adjuster will collect police reports and medical records to assess liability and the extent of damages. These documents are critical in determining the payout.
3. Assessing Damage and Liability
If your vehicle is damaged, the adjuster may send an appraiser to inspect it or request photos. They’ll also analyze fault, especially if comparative fault applies, meaning both drivers may share responsibility.
4. Initial Settlement Offer
Insurance companies aim to settle claims quickly and often start with a low initial offer. The adjuster’s goal is to save the company money, so the first offer may not fully cover your losses.
What to Do: Avoid accepting the first offer without consulting an attorney. It’s important to understand the true value of your claim.
5. Negotiating the Settlement
If the initial offer is too low, you can negotiate with the adjuster. Having an attorney strengthens your position, ensuring that all damages, including medical expenses, lost wages, and pain and suffering, are accounted for.
At The Black Law Company, we protect clients from unfair settlements and ensure they receive the compensation they deserve. Contact us for a free consultation, and let us handle the negotiations while you focus on recovery.
This post was written by Okoye Morgan Jr., a lawyer with extensive knowledge as a Tampa personal injury lawyer. Okoye is one of the founding partners of The Black Law Company, specializing in personal injury law, trust and estate law, civil litigation law, and criminal defense.
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