For most drivers, car owners, and property owners who were unlucky enough to be involved in a car accident or have their home damaged, claims adjusters can be their best friend or their worst enemy. But it’s probably more than just that because dealing with the claims adjuster after a car crash can be a huge pain, especially if you aren’t acquainted with your legal rights. Insurance adjusters are the insurance company’s representatives, so they are the people who will largely determine whether or not or you will be compensated for any costs or losses following a car accident.

Since the claim adjuster is responsible for interviewing the claimant and other parties, what you tell him can make or break your claim. It is therefore important to be careful about any statements you make before the claims adjuster. If you admit fault, your insurance policy may even prevent the recovery of damages. Here are 5 tips to follow when dealing with an insurance adjuster after an accident to ensure you get paid the settlement offer you deserve:

1. Avoid giving a recorded statement.

If you think you may need a lawyer — you probably do.  When an insurance adjuster calls you, they may be recording your conversation and anything that you say can be used against you.

2. Avoid discussing your damages.

The insurance company can ask you about the injuries you suffered in the immediate aftermath of a car accident or the damage to your home.   All of the facts about your damages or injuries may not be realized yet. If hurt, you may not realize how badly until you’ve consulted with multiple doctors. If it is your home that is damaged, you may not realize that you not only need a plumber to fix the leak but also a painter to repair the wall after the plumber has finished.   By discussing your damages with the insurance company you may be limiting your ability to fully recover or recoup all of your damages simply because they have not yet been realized.

Additionally, if you accidentally miss important information or provide information that is not 100% accurate, you may lose your right to financial recovery.

3. Meet with a lawyer before agreeing to a settlement offer.

The insurer will almost always try to settle with you. However, until you talk to a lawyer, you should never accept a settlement offer.  Insurance companies are a business and they make money by paying as little as possible to their customers. They are trained to handle your claim — you should have someone on your side who is trained too.

Contact a Lawyer

If you are looking for an experienced lawyer to help you with your personal injury or property damage claim, call Sunshine Isaacson & Hecht, LLP at (516) 352-2100 for a confidential consultation, or e-mail us at jisaacson@sihllp.com.