If you were hurt in a car accident that wasn't your fault, you may have grounds for a personal injury claim. Since insurance adjusters are trained to find even the smallest reason to deny or at least devalue the cases they review, though, you have to approach every interaction with caution. To avoid jeopardizing your claim inadvertently, keep the following do’s and don’ts in mind when corresponding with the insurer.
Record pertinent details.
Every time the insurer reaches out to you, make a note of the representative’s name, title, and phone number. If you’re in contact with multiple insurers, confirm the adjuster’s place of employment as well. Upon hanging up, write down everything that was discussed during the call and record the date and time.
Confirm the total available coverage.
When it comes to third-party claims, insurers often try to keep the total available coverage under wraps. This prevents personal injury claimants from seeking the maximum payout possible. However, you have the right to know how much coverage is available, and if you ask the representative outright, you deserve a straightforward answer.
Provide a recorded statement.
If you give a recorded statement before knowing the full extent of the damages, you will essentially “lock in” the total payout to which you’re entitled. If you incur or discover additional damages after providing such a statement, you won’t be able to recover funds for them.
Accept a premature payout.
Don’t commence negotiations before reaching maximum medical improvement. Money will undoubtedly be tight, but if you accept a premature payout and then suffer additional complications, you could end up in an even worse financial position.
If you turn to The Gil Law Firm for help building your personal injury claim, you won’t have to worry about corresponding with the insurance adjuster at all. Their legal team will handle every aspect of the case so you can focus solely on recovering. Located in Dothan, AL, and representing accident victims throughout Georgia and Florida as well, this practice assists with personal injury claims, bankruptcy filings, and Social Security disability benefits. To request a free consultation, get in touch through their website or call (334) 673-0100 today.