In the wake of a devastating accident, the last thing we want to do is haggle with the insurance company that is supposed to come through for us. But, sadly, that is what many injured individuals end up doing when they should be focusing on getting better.
Throughout the claims process, insurance adjusters may try to contact you and get you to say or do something they can use against you to deny or minimize your claim. Learn three of these common misrepresentations so you can protect your rights.
#1. We must have a recorded statement.
This misrepresentation is one of the most common, and it is false when it comes to a third party insurance carrier. The insurance adjuster for the offending party may try to record the conversation and get you to say something that will jeopardize your claim. However, there is technically no law that requires you to participate in a recorded conversation with the adjuster for the offending party. It’s in your best interest to decline the phone call with the opposing adjuster until you have an attorney on the line. Different rules may apply when it comes to communication with your own insurance carrier, so it is important that you consult with experienced counsel before you engage in any such communication.
#2. You may not have anyone else on the line with you.
This is a tactic used by insurance adjusters because they do not want to negotiate with an experienced attorney. Insurance adjusters know that they will have a harder time minimizing your claim if you have legal representation. If you receive a phone call from an insurance adjuster, politely inform them that you are not comfortable speaking with them without an attorney on the line, then hang up.
#3. Our offer is the best you are going to get.
Those who do not have much experience negotiating with insurance adjusters may believe everything the agent tells them. One common misrepresentation that unwary claimants fall for is that the insurance company’s offer is the best settlement they can get.
This is simply not true. A qualified attorney will represent your best interests and negotiate with the insurance company to recover the compensation you need for past and future medical bills, lost wages, and more.
If you have been injured in an accident, it’s important to hire experienced legal representation as soon as possible. Contact Greene Broillet & Wheeler, LLP at (866) 634-4525 to schedule a free consultation.