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What You Need To Know About Insurance Adjusters

Insurance adjusters tend to gain a bad reputation as the representatives on insurance companies attempting to minimize the value of your claims. We have encountered clients who think adjusters are “out to get them.” We get it, the process of working with an insurance company is not generally something an injured person wants to do, and the insurance adjusters you may find yourself working with get the brunt of this frustration. 

If you haven’t ever worked with an insurance adjuster, you may never have had a claim. Any time you make an insurance claim, whether it be for property damage or personal injury, the insurance company will want to verify the details of your claim before it discusses the compensation for the claim. This is where an insurance adjuster comes in. An insurance adjuster’s job in the context of the personal injury claims we handle may include visiting the scene, inspecting damages, interviewing those involved or who witnessed the situation, and gathering property damage and medical records and bills.

If an adjuster’s investigation corroborates your claim, you may receive reasonable compensation. However, that’s not always the case. We have encountered claims that are denied for reasons that may be beyond the claimant’s control or flat-out fly in the face of the facts of any given situation. 

As you can see, this is where insurance adjusters may get labeled as the “bad guys’ ‘ but are they really?

Insurance Claim

The insurance companies who hire them want to pay as little as possible on claims. And those adjusters work for the insurance company, not you. While the number of claimants who may exaggerate their claims is extremely low and not nearly as significant as insurance companies would have you believe, it’s important to realize that insurance adjusters are always wary of that. 

It’s the job of the insurance adjuster to control the situation and steer the narrative. That mentality can cause a lot of headaches for injured people with legitimate claims. If you’re not careful, you may accept less compensation than you’re entitled to. 

How to Best Work With Insurance Adjusters 

An adjuster may not need much more than a police report and medical records and bills to evaluate a claim. Remember, anything you say can be used against you, so it’s important to be very careful with talking with insurance adjusters. 

While you should inform your insurance company that an accident has occurred, you do not have to give any further details or provide a recorded statement. You should also be cautious when it comes to sharing medical information.  

Many insurance adjusters are not out to get you. However, your best interests are not their top priority. So how do you make sure your claim is understood and represented well? A personal injury, car, or truck accident lawyer in Hamilton Ohio. 

A personal injury attorney works directly for you, which means you are the only priority. An experienced attorney knows the system and the strategies insurance providers use to undercut or deny claims. The earlier you speak to an attorney, the better off you’ll be. 

For a personal injury and Truck accident lawyer in Hamilton, Ohio, and the surrounding communities, contact The Richards Injury Firm today! 

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