Skip to main content

Insurance Adjusters Can Be Friends or Foes to Your Insurance Claim

Posted by attorney Christopher Mellino

If you are filing a personal injury insurance claim and you have not heard from an insurance adjuster yet, you will hear from one soon. As in any social or professional situation, there are right ways and wrong ways to act when you are talking to the insurance adjuster; there are things that should and should not be said.

A Cleveland personal injury lawyer is a great asset at this time, as they know any tricks an adjuster may pull. Above all, remember this: the insurance adjuster is not your friend, but you won’t do yourself any favors by treating him like a foe.

Who is an insurance adjuster?

An insurance adjuster is someone who is employed by an insurance agency whose sole purpose is to save that agency money. If you are making any kind of insurance claim, the adjuster will want to settle that claim as quickly and as cheaply as possible, out of court and hopefully without involving any lawyers. This will not be in your best interest.

Insurance adjusters may also try to delay negotiations, which will eat away at the precious little time that you have to file a claim under the statute of limitations; if you do not file within the statute’s set time frame after your accident occurs, you will no longer be able to file.

If you want to get the settlement you deserve in your insurance claim, remain polite with the insurance adjuster, but contact a Cleveland personal injury lawyer as soon as possible. You will need a professional on your side to guide you through the adjuster’s lingo and possible traps.

How to Behave with your Insurance Adjuster

There are several things that you can do that will help your insurance claim and your relationship with your insurance adjuster. As previously mentioned, it will not be prudent to treat your insurance adjuster rudely, but that does not mean you have to accept every word he says.

You should always be aware that your phone calls with the adjuster could be recorded and used against you later. It is important not to go into great detail about your injuries as well as avoid making any kind of negotiations without your personal injury lawyer present. You and the adjuster have competing goals and the adjuster will not be above taking advantage of your lack of legal knowledge to achieve his goal.

When talking to your insurance adjuster, try to do the following things:

  • Treat the adjuster courteously and don’t burn bridges; ongoing negotiation and open doors of communication are things that can work in your favor.
  • Be persistent; document everything you can about your claim and make sure that your adjuster is not missing deadlines or trying to take advantage of the statute of limitations time limit.
  • Listen to your adjuster; the things that the adjuster is saying are important to your case and could become a preview of what you will face in court if you cannot settle with the adjuster.

The most important thing to do is find an experienced Cleveland personal injury attorney and have that attorney go over your specific case to analyze just how you should proceed with your insurance claim. The insurance adjuster can absolutely take advantage of your lack of legal expertise, but not if you have a legal expert by your side.

Author of this guide:

Was this guide helpful?

Can't find what you're looking for?

Post a free question on our public forum.

Ask a Question

- or -

Search for lawyers by reviews and ratings.

Find a Lawyer