It is not uncommon to have disastrous results when you speak to an adjuster about an automobile accident. This is a difficult task that can lead to disastrous consequences for the victim of a personal injury case.
Personal Injury Case Process
The next question is who is legally responsible for an accident that results in injury to a person in an automobile accident. Insurance companies invest heavily in protecting their financial interests. This is often achieved by denial of as many claims possible and negotiating the lowest settlement possible on others.
After being informed of the accident by insurance companies, they will open an investigation to determine who was responsible. It assigns an adjuster to the case. It may attempt to assign a percentage of blame to those who are jointly at fault. The insurance adjuster might offer to settle the case if the victim has established damages. The victim may receive a settlement offer that is less than what the victim actually suffered. The insurance adjuster is employed by the insurance company and has no incentive to make victims more money. Although insurance adjusters can be friendly to accident victims and may pretend concern for their injuries, this could just be a façade so that the victim says something that will hurt his or her case.
Talking to insurance adjusters can be risky
Insurance adjusters may try to obtain information from accident victims to use against them. Insurance adjusters can use many tactics, which many people don’t know about. They might feel comfortable sharing information with an adjuster, but then they find out that they are being used against them. People naturally want to be truthful and expect fair treatment.
Many people believe they are familiar with the laws and have a strong case. Before a victim can receive fair compensation, there may be many legal maneuvers. Unsuspecting victims may face many legal pitfalls. Insurance adjusters often ask victims to give a recorded statement. Sometimes, the victim will be honest about everything. The insurance company might try to prove that inconsistent statements were made between the recorded testimony and the testimony at trial later on. This contradiction may be used by the lawyer representing the insurance company to challenge the victim’s credibility and force the jury to find for the defendant, not the victim.
Accident victims should not speak to insurance adjusters directly as they may not represent their interests. A personal injury lawyer may be more suitable for this job.
Collaboration is necessary
In certain situations, the victim of an accident may need to cooperate with the adjuster. If the victim lives in a state with no fault, he/she may be required to report the accident to their own insurance company. After an accident, he or she may be legally obligated by contract to contact his or her insurance company. If the defendant does not have insurance or has insufficient insurance, the victim might be able make a claim under his or her insurance policy’s coverage for uninsured motorist. A person does not have to speak to the insurance adjuster of the other party.
The insurance company might also attempt to obtain information for use against the victim, and get a recorded statement. The insurance company can request the victim’s medical records by signing this form. Sometimes, these releases go beyond what is necessary. The insurance company might also try to use the information it gets from this process to make a case against the victim, such as by denial of a claim based upon a previous injury.
A personal injury lawyer is a good choice for those who have been hurt in an auto accident case. A personal injury lawyer can help the victim understand the process and communicate with the insurance company to ensure that there are no mistakes that could negatively impact his or her case. He or she can also negotiate with the insurance company to obtain just compensation.