Insurance claims adjustors work for the insurance company, not you. Their primary goal is to settle claims for as little money as possible, which often means offering you less than what your claim might be worth. Understanding this dynamic is crucial for successful negotiations and protecting your interests.
Watch Your Words
During negotiations, it’s essential to be cautious about what you say. Avoid apologizing or implying any fault, as this could be used against you. Refrain from downplaying your injuries by saying you’re fine, as this might undermine your claim. Never accept the first offer outright, as it’s often lower than what you deserve. Most importantly, avoid giving recorded statements without consulting legal counsel first, as these could be used to dispute your claim later.
Don’t Reveal Too Much
Be wary of sharing unnecessary information with the claims adjustor. Your financial situation, unrelated personal information, and social media activities are typically not relevant to your claim and could be used to diminish its value. Avoid speculating about the accident or your injuries; stick to the facts you know for certain. Oversharing can give the insurance company leverage to reduce your settlement.
Avoid Common Pitfalls
There are several common mistakes that can hurt your claim. Never sign any documents without fully understanding their implications. Avoid providing a blanket medical authorization, as this gives the insurance company access to your entire medical history, which they might use to dispute your claim. Don’t rush into a quick settlement before you understand the full extent of your damages, including potential future expenses. Lastly, refrain from discussing fault or liability, as these are complex legal issues best left to professionals.
Document Everything
Thorough documentation is your best defense against lowball offers. Keep detailed records of all communication with the insurance company, including dates, times, and the content of conversations. Document all medical treatments and expenses related to your injury. If you’ve lost wages or incurred other financial impacts, maintain clear records of these as well. Photographs of your injuries or property damage can also be powerful evidence to support your claim.
Know When to Seek Help
There are several situations where it’s crucial to consider legal representation. If your claim is denied, if the settlement offer is significantly lower than your damages, or if you’re feeling pressured to accept an offer, it’s time to consult an attorney. Similarly, if your injuries are severe or likely to have long-lasting effects, or if there’s any dispute about liability, professional legal help can be invaluable in protecting your rights and securing fair compensation.
Experienced attorneys like ours at McGlone Law can be a game-changer in your negotiations with insurance companies. We can handle all communication, shielding you from potential missteps. Throughout the process, we will protect your rights and can take your case to court if a fair settlement can’t be reached through negotiation.
If you’ve been injured and don’t know where to turn, contact our firm for a free consultation. We are here to help.
