The other party's adjuster main job is to limit your recovery as much as possible. This benefits the shareholders of that insurance carrier. Dealing with their adjuster sans counsel does not put more money in your pocket. It does leave more money in the carrier's accounts.
I would encourage you to cease communicating with the adjuster and seek out experienced counsel.
Never sign anything. Hire a lawyer. Don't let the adjuster control the situation.
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I agree with the comments of the other counsel. Since it appears you have sustained some type of personal injury, consultation with an attorney is critical to the protection of your rights. In addition to reviewing all documents received from the insurance company, if you are injured, your attorney will have a greater degree of knowledge regarding the value of your case and how to negotiate a favorable settlement.
This answer is for informational purposes only and is not meant to be nor should it be considered the providing of legal advice.
I agree with the answers above, and I would add that you should stop communicating with the adjuster while you seek an experienced personal injury attorney.
Do not sign any papers, especially if you have been injured. You should immediately contact an attorney to discuss your claim. Most attorneys in these kinds of cases, like my firm, provide a free consultation and do not charge a fee unless they make a recovery for you.
If you were injured, consult a personal injury attorney BEFORE you DO or SAY ANYTHING. If you have no injury, it really doesn't matter.
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You don't necessarily need to run out and hire a personal injury lawyer. Maybe you will need one and maybe you won't . However, before meeting with an insurance adjuster, or even speaking with him anymore, call a personal injury lawyer to discuss your case. The call won't cost you a dime. If the attorney is worried more about getting hired than listening to you, hang up and call another one. Good luck!
The insurance agent's proposed procedure is frought with danger if you are not careful enough. If you or other passengers in your car were hurt, you need to contact a lawyer who has experience with handling motor vehicle collisions. The "papers" you are being asked to sign may contain provisions which terminate or at least restrict your rights. Since most personal injury lawyers work on a contingency fee basis, there should be no downside to your retaining counsel to help you.
Best of luck.
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