When you’ve been involved in an accident or suffered a loss, one of the first calls you’re likely to receive is from an insurance adjuster. Whether it’s a car accident, a slip and fall, or property damage, this call can be unexpected and might raise questions about how you should respond. The adjuster will often present themselves as a helpful resource, but their role is to represent the insurance company, not necessarily your best interests.
So, should you call an insurance adjuster back? Let’s take a closer look at what’s at stake and how to protect yourself during this process.
What Does an Insurance Adjuster Do?
An insurance adjuster’s primary role is to investigate claims, determine liability, and evaluate the extent of the insurance company’s financial responsibility. Their goal is to close claims as efficiently as possible, ideally for the least amount of money.
Adjusters are trained to gather information quickly and to negotiate settlements with claimants. This might seem convenient, but their responsibility to their employer can sometimes lead to a less favorable outcome for you.
Things to Consider Before Returning the Call
- The Adjuster Works for the Insurance Company
No matter how friendly or understanding the adjuster might seem, it’s important to remember that they represent the insurance company—not you. Their primary objective is to minimize the payout. - You Don’t Have to Speak (probably)
You have no obligation to speak to an adjuster for another person’s insurance company. However, if it is your own insurance company that is contacting you, you do have to cooperate with them per the terms of your policy. Because these things can be complicated, it is almost always in your best interest to first call a lawyer and get some legal advice before proceeding on your own. - Anything You Say Can Be Used Against You
The adjuster may ask you to provide a recorded statement. This can be tricky because any information you provide may be used to limit or deny your claim. Even seemingly harmless statements about how you’re feeling or the details of the incident can be misconstrued.
For example, saying, “I’m fine,” when asked about your condition could be interpreted as an admission that you weren’t seriously injured, even if you’re still waiting for a medical evaluation. - Be Wary of Early Settlement Offers
Sometimes, adjusters will offer a quick settlement to resolve the claim. While this might seem tempting, especially if you have immediate expenses, these initial offers are usually lower than what you might be entitled to. Once you accept an offer and sign a release, you forfeit the right to pursue further compensation, even if new damages or injuries come to light later.
How a Lawyer Can Help
An experienced personal injury attorney will not only provide guidance on when to communicate with the insurance adjuster, but they can also handle the entire communication process for you. This allows you to focus on recovery without the added stress of negotiating a settlement.
By having an attorney involved, you’ll benefit from their understanding of the insurance claims process and their ability to advocate for fair compensation. They can help evaluate the adjuster’s settlement offer, ensure you don’t unknowingly sign away your rights, and negotiate a better outcome based on the true extent of your damages.
In Conclusion: Protect Yourself
Should you call the insurance adjuster back? It almost always pays to consult with a lawyer first. At Doar Drill and Skow, our personal injury attorneys offer free consultations, so there is truly no downside of calling us before you call your adjuster back. Even if the person calling is from your own insurance company, consulting with a lawyer before you call can protect your legal rights.
If you’ve been injured in an accident, Doar Drill & Skow is here to help. Our experienced attorneys understand the tactics used by insurance companies and can guide you through the claims process to ensure you are treated fairly. Reach out to us today for a consultation before speaking with an adjuster.