Are Insurance Claims Adjusters Really On Your Side?

It is a common question asked by injury victims. Unfortunately, by the time most victims ask this question, they have already spoken to their insurance claims adjuster more than necessary – and possibly decreased their settlement. While your insurance company claims to be there – they even have friendly insurance claims adjusters contact you to help – the reality is that insurance companies have a business to run. And, like any business, insurance companies have a bottom line; giving you the maximum settlement does not necessarily protect their bottom line or preserve profits.

If you have been injured, do not contact your insurance company or speak to an adjuster without first consulting an attorney. Even if you have already been in contact with an adjuster, you need to get a car accident attorney involved with your case as soon as possible.

Insurance Claims Adjusters: They Are Not Your Friend

Insurance claims adjusters are there to investigate your accident/injury claim. They need to assess your injuries and come up with a settlement. Most importantly, they are there to scrutinize and even disprove your legitimate injuries – or find ways to reduce your settlement amount wherever possible.

When you are injured and you have medical bills, lost wages, and other bills at home piling up, your goal with an insurance claim is to receive maximum payout – and get on with your life. Because you and the adjuster have two very different goals, you may find that negotiations are difficult – or even find that the insurance claims adjuster uses everything that you say against you in order to reduce what they pay and protect their profits. Most importantly, because you have two goals on the opposite end of the spectrum, you cannot rely on the insurance company to give you the compensation amount which you actually deserve.

If you do speak to a claims adjuster, be on the lookout for the warning signs that they are not on your side:

  • The insurance company keeps claiming that the accident is your fault.
  • Your insurer denies medical coverage/reimbursement.
  • The insurance company keeps offering low settlement amounts.
  • Your insurance company pressures you to take the settlement and only gives you a short amount of time to assess the settlement value.
  • Your insurance company or the other party’s insurer automatically denies the claim.
  • You are told that you must give an official statement before they can assess your claim.
  • You feel as though you are being intimidated or purposely confused.
  • The insurance claims adjuster asks you questions that are not related to your injury – such as how often you smoke or drink, or other career or lifestyle changes.

Insurance Companies Can be Handled with a Personal Injury Attorney

If you have been injured and need to file a claim with an insurer, do not go at it alone. Instead, contact the attorneys at Jacobs Law, LLC. Our personal injury attorneys are here to help you with your claim and negotiate with insurance companies on your behalf. Do not let insurance claims adjusters intimidate you. Our attorneys will be there to protect your rights and ensure that you receive the compensation deserved for your injuries. Call to schedule your free consultation today at (317) 794-2024 or fill out our online contact form with your legal questions.