Local 215.825.5183Toll Free 877.825.8542

May 27, 2016

Discussing Auto Accidents with an Insurance Adjuster

How to talk to an auto adjuster

 

According to the Pennsylvania Department of Transportation [1], there were 121,317 reportable traffic crashes in 2014. These crashes claimed the lives of 1,195 people and injured another 79,758 people. Nevertheless, many drivers may not know what steps to take or basic information to share, or not share, after an accident. Individuals may even put their identities and safety at risk by sharing too much personal information. Consumers generally need only share their names and correct vehicle insurance information, which should include the phone numbers of insurance providers. Sharing additional personal information, such as driver’s license numbers and home addresses, can place consumers, their property and their safety at risk.

Conversations with an Insurance Adjuster

After an automobile accident, you will likely be contacted by an automobile insurance adjuster. There are several things to keep in mind before and during that conversation:

  • Personal Information: Provide your name, address and telephone number as well as your employer’s address, but it is not necessary for you to provide any additional private information regarding your income, medical history and the like.
  • Identify the Caller: Be sure to obtain the name and telephone number of the person to whom you are speaking as well as the name and address of their employer; the insurance company.
  • Injuries: Even if the adjuster inquires as to your injuries, refrain from providing a detailed description. You may inadvertently leave out a detail or discover later that an injury has worsened or that you have suffered an additional injury.
  • Accident Details: Do not provide a formal statement or engage in an informal conversation with the adjuster regarding the automobile accident. You can provide the date and time of the accident and identify the make and models of any vehicles that were involved, but are not required to discuss any further specifics with the adjuster.
  • Remain Calm: Although you may be upset about the accident and your injuries, taking out your anger on the insurance adjuster does not help your case or allow you to receive compensation. It is important to stay as calm and polite when speaking with a Philadelphia insurance adjuster.
  • Settlement Offer: Insurance adjusters sometimes offer a settlement during the first one or two phone calls. Quick settlements can save the insurance company work. More significantly, the insurance adjuster may try to get you to settle for a small amount before you know fully what your injuries are and how much your claim is worth. Agreeing may seem like a simple way to get compensation without having to go through the claims process, and a quick settlement is often tempting, but it will almost certainly cost you money, perhaps quite a bit. Be sure to speak with a Philadelphia automobile accident attorney to review any suggested settlement in order to determine if it fully compensates you for your losses.
  • Avoid Recorded Calls: Many claims adjusters immediately push victims to give a tape-recorded statement, or casually ask if they may record the phone conversation, claiming that a recording will protect the victim later. It is important that you do NOT agree to have any conversation recorded. There is no legal obligation to be recorded, and it is against the law for an adjuster to record without the victim’s permission. The reason you should refuse is that most people tense up when they know they are being recorded, and forget to say important things or describe things clumsily or incompletely. A verbal statement or conversation is almost never as precise and thorough as the written correspondence you will later send the insurance company. Also, recordings take on far more importance than they deserve as evidence of what happened. It can be nearly impossible later to correct or expand on what you have said in a recording. Politely but firmly decline an adjuster’s request to record your statements.

Call a Philadelphia Automobile Accident Attorney

If you or someone you love is injured in an automobile accident, it is important to speak to an auto collision attorney as soon as possible. You may even wish to discuss speaking to an attorney prior to communicating with the insurance adjuster from the other side. The experienced automobile accident attorneys at the Levin Firm understand the legal issues that may arise in a vehicle accident and will always strive to ensure you recover any losses you may have incurred as a result. Our skilled single vehicle accident attorneys investigate your case and protect your rights under Pennsylvania law to make sure you receive all of the compensation to which you are entitled. Call 215-825-5183 today to schedule a free consultation or call our toll free number at 877-825-8542.

References

[1] http://www.penndot.gov/TravelInPA/Safety/Documents/2014_CFB_linked.pdf

Share This:

February 22, 2016

How to work with a claims adjuster

PA Claims Adjuster

When it comes to settling a car accident case, the facts of your individual case will determine how long it will take to settle.  This is one of the most pressing questions that clients have following a car accident, and one of the most difficult to answer.  The length of time it will take to settle your car accident case can vary depending on a number of factors.  Those factors include the complexity of your case, the nature and severity of your injuries, and the amount of the claim.

In the event that you decide to settle your car accident case, it is important to remember that how you interact with a claims adjuster can have a significant impact on the outcome of your case. Below are some important tips to facilitate the settlement process:

1.      Be organized: Make sure to take thorough notes in the event that you have a conversation with the claims adjuster.  Also, be sure to keep a copy of everything you submit.  Lastly, if you have agreed to provide the adjuster with certain information, do it promptly.

2.      Be patient: While the waiting period can be frustrating, try not to be in too great a hurry to settle your claim.  Perhaps even more importantly, do not jump at a first offer. Holding off for a little while often increases your settlement amount.

3.      Be persistent: Don’t let the adjuster sit on your claim. Put everything that you and the adjuster have agreed upon in a letter confirming what was said.  That way, when the day a certain event was due to happen, you can call and politely request a response.   However, it is important not to confuse persistence with pestering.  This means that you shouldn’t call the adjuster every day, but make sure the adjuster knows that you will be regularly and thoroughly following up on your claim.

4.      Be calm: Avoid high emotions. If you show the adjuster you are making a good-faith claim, you will likely get a good-faith settlement offer in return. Your job is simply to show the adjuster that you know how the process works and that your claim is an honest one.

If you have suffered injury in a Philadelphia auto accident, your main concern should always be on your physical and mental recovery and you should not have to constantly worry about your legal case. For this reason, we make certain to regularly communicate with clients and will keep you up to date on any new developments in your case. We provide careful attention to each individual auto accident case and will always zealously advocate on your behalf. If you have suffered injury, please do not hesitate to call 877-825-8542 to schedule a free consultation with the experienced Philadelphia car accident lawyers at The Levin Firm today.

Sources

1.      http://www.alllaw.com/articles/nolo/personal-injury/how-long-settle-claim.html

2.      http://injury.findlaw.com/accident-injury-law/questions-and-answers-about-your-personal-injury-case.html

3.      http://www.nolo.com/legal-encyclopedia/how-the-negotiation-process-works-injury-case.html

Share This:

Latest News

May 18, 2017

Truck Accidents Are Dangerous, Says Philadelphia Auto Accident Attorney Gabriel Levin

If you have driven anywhere in the Philadelphia area, you have certainly seen large commercial trucks like semis, tankers, big-rigs, and flatbeds traveling from place to place. While the majority of trips undertaken by commercial …

May 11, 2017

Most Dangerous Places for a Motorcycle Accident

Motorcycle accidents injured some 88,000 people in the United States during 2015, according to data published by the National Highway Traffic Safety Administration (NHTSA). While motorcycle accidents can occur anywhere, there are some places that …

May 4, 2017

TBIs Can Be Caused by a Variety of Accidents

Traumatic brain injuries,1 or TBIS, are among the most serious kinds of injuries a person can sustain. They can occur when you hit your head on another object with sufficient force or even when your …

view more

Free Case Consultation

Fill out the form below to schedule a free initial consultation

    In an effort to prevent spam please click “I agree” below to confirm you are a human being. (Required.)