The Best Way to Work With Auto Insurance Claims Adjustors

Auto accidents are a common occurrence in St. George, Utah. Getting into a crash is not only painful, but stressful. Oftentimes, the stress will continue long after the physical pain has gone away. Much of this is due to the elongated process of dealing with the many insurance claims adjustors that will be assigned to your claim. Adjustors from both your own insurance company and the other driver’s insurance company will begin calling you as soon as you file your claim. Their job is to assign as low of a value as possible to both your property damage (the damage to your automobile) and your bodily injury (the damage to you, both physical and emotional). The insurance company will assign a different expert to each of those issues. That expert deals with people like you every single day. It is their job to low-ball you while keeping you happy. They are very good at it. Negotiating a fair amount is not likely because you have no experience. That is one of the many reasons car accident victims hire attorney’s. However, the following tips and tricks can at least give you a sling to use in your David vs. Goliath type battle.

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  1. Be kind. Do not be rude to your adjuster. All people respond better to positive reinforcement. We do not like being yelled at. You are one of hundreds of claimants that your adjustor will be dealing with at any given time. Do not be his or her least favorite claimant. It’s just common sense.

  2. Be careful. Your call is being recorded. Do not give information that is not necessary. They will want you to do silly things like admit fault, give them access to all your medical records, and sign releases. Do not do those things. Do not say that you were not hurt unless you know for 100% certain that you were not hurt. Hint: you will not know for sure until a week after the accident, neck and back injuries take days to set in.

  3. Be ready. It is hard to get the adjustor on the other end of the line. When they finally call you back, don’t blow it. By blow it, I mean don’t be unprepared. You need to have certain documents like police reports and medical records with you at all times so you can answer their questions. You also need to make sure to take down notes during and after each conversation. They are making records, you should be too.

  4. Be patient. Adjustors know that a bird in the hand is worth two in the bush. They will offer you extremely low amounts early on in the negotiation process to entice you to settle your property damage claim and bodily injury claim for far less than they are actually worth. Do not be fooled by this. It is in your best interest to keep a level head and make

  5. Every negotiation is about two parties who want different outcomes. The point is to meet in the middle so that both parties can be somewhat satisfied. Always keep in mind that the first number the insurance throws at you may be their low-ball offer. Feel free to counter.

  6. Get an auto-accident attorney involved. You don’t know what you don’t know. Car accidents can be a very significant time in your life, especially if you or a loved one is hurt. An experienced auto accident attorney will review your options with you for free.

This article is offered only for general information and educational purposes.  It is not offered as and does not constitute legal advice or legal opinion.  You should not act or rely on any information contained in this article without first seeking the advice of an attorney.