Here’s what typically happens when you’re in a car accident: A claim is presented to the other driver’s insurance company, and the insurance company assigns the claim to an insurance adjuster.
Often, these adjusters are friendly, concerned about your well-being and say they want to help you resolve your claim in the most efficient and timely manner. In fact, they may call you several times a week with concerns about your damaged vehicle, expressing a great interest in your overall well-being.
The insurance adjusters often ask questions to get you to discuss the accident and your injuries. Soon, you may begin to rely on their advice and follow their suggestions because they seem so considerate, friendly, sympathetic and concerned about you.
But do they really have your best interests in mind?
Insurance Companies Are In the Business of Making Money
While there are certainly well-meaning adjusters in the world, you must always remember that insurance companies — and, therefore, insurance adjusters — are in the business of making money. And the role of an adjuster is to save the most money possible for their company on each claim! The more they save, the better they look. Stated another way: The less money they pay to you, the better job they do for their company.
So what does this mean for you?
When you’ve been involved in an accident and are deciding whether to face the insurance company alone or with an attorney, you should know that insurance adjusters are trained to find a way to pay you the least amount of money possible. If there is any way they can effectively deny your claim, they would actively pursue that option without any regard or concern for you.
All of the concern and friendly inquiry they make into your well-being and car damage — in reality — is a clever way of analyzing the extent of your potential property damages and personal injuries to determine ways in which the insurance adjuster can minimize any potential payout. Because that is what they are paid to do! The personal statements and documents you provide to them along the way will certainly be used in their attempt to minimize your claim.
Don’t Rely on Insurance Adjusters
The big takeaways here are:
- If you want to obtain a full and fair recovery of the personal injuries you experience in a car (or a motorcycle or truck) accident, don’t rely on the adjusters to look out for your best interests.
- If you decide to work with the insurance adjuster on your own, be extremeley careful.
- It is generally better to partner with an experienced personal injury attorney who is trained to deal with these adjusters.
Know what’s even better?
Work with a personal injury attorney who used to be on the insurance adjusters’ side and knows what techniques are used to minimize the payout!
My partner, Jacob Fleming , and I did just that. Before starting Fleming & Monroe in Mesa, we worked on the adjusters’ side and learned their techniques. And this work experience informs the personal injury law work we do every day.
So, don’t get caught in an unfair game against an insurance adjuster. Be smart, be cautious and get the help you need by contacting us today, so you can obtain the recovery you truly deserve for a personal injury.