LEGAL GUIDE
Written by attorney Timothy R. Miley | Sep 24, 2012

Common Insurance Adjuster Tactics that can Damage your Injury Claim

Don’t deal with insurance adjusters ill-prepared. Your Clarksburg personal injury lawyer should get you ready by telling you what information you may share and what information you shouldn’t. You may also be advised against saying certain things that may be misconstrued and hurt your injury claim.

When you’re injured in a car accident, you’ll likely be facing high medical bills, expensive vehicle repairs, and lost income from work. Unfortunately, you’ll have to deal with the insurance companies to recoup these costs, and insurance companies rarely work in your favor.

They’re not looking out for your best interests; they merely want you to settle for a minimal amount of money in the least amount of time. If you’re filing an injury claim, it’s important to be wary of the insurance adjusters you come in contact with.

Consider the following common tactics they may use that could harm your claim.

· Ask you for a recorded statement – most likely, the adjuster will ask you for a recorded statement regarding the accident and your subsequent injuries. Do not give one. You are under no obligation to provide this and agreeing to do so may hurt your injury claim in the end. Recorded statements may be used as evidence against you, proving you to be unreliable, untruthful or even at fault if your words can be misinterpreted. Speak to a lawyer before providing a statement.

· Tell you not to seek legal help – adjusters will try to scare you into thinking a lawyer is unnecessary. In most cases, though, a lawyer is a valuable ally when filing an injury claim. An attorney can help determine an accurate estimate of the compensation you are due, and ensure the insurance company doesn’t undercut you.

· Ask you to settle quickly – the adjuster may try to get you to sign a settlement not long after the accident. Most likely, this is a low-ball offer. Don’t sign any sort of settlement until you’ve confirmed with an attorney that it is appropriate for your injuries.

· Ask you to sign medical authorization forms – in an injury claim, the adjuster will need medical records pertaining to the injuries you sustained in the accident. Many times, however, an adjuster will ask you to sign an authorization form allowing him or her access to all of your medical records, past and present. Do not sign this. Not only is it an invasion of privacy, but the insurance company may use past conditions or injuries against you. Consult with your attorney before authorizing any release of medical information.

· Put you under surveillance – in an attempt to find evidence against your claim, an adjuster may put you under surveillance. They’ll be looking for you doing some activity that proves you’re not as injured as you’re claiming, or they may even be monitoring your social media and web accounts for anything you say that may contradict your claim. Watch out for suspicious cars or people around you when you’re out of your house, and steer clear of mentioning your claim on the web.

Want to learn more about these or other tactics? Unsure of how to deal with adjusters? Call 304-931-4088 or 888-436-0859 to discuss your case with the Clarksburg personal injury lawyers at the Miley Legal Group today.

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