Five Tips For Dealing With Insurance Adjusters After A Car Accident In Aiken
Car accident injuries in Aiken can have long-term impacts on your health and finances. However, you only have one chance to get compensation in a claim. Use these five tips for dealing with insurance adjusters after a car accident to get the amount you deserve.
Talking To Car Insurance Claims Adjusters After An Accident
The South Carolina Department of Insurance advises that all drivers maintain a mandatory minimum amount of car insurance coverage. When a car accident happens, an insurance claims adjuster will be assigned to your case. They are in charge of investigating your claim and negotiating a settlement. To protect yourself and your rights to compensation when talking to them, follow these five tips:
Realize Their Job Is To Save The Insurer Money
According to the Insurance Information Institute (III), the insurance industry collects more than $1.3 trillion in premiums each year. One of the ways they protect profits is by reducing the amount they pay out on claims. This is an insurance adjuster’s primary goal. While they may present themselves in a friendly manner, their job depends on finding reasons to either deny or dispute your claim.
Avoid Making Statements That Could Be Used Against You
When talking to insurance adjusters, be cautious. Anything you say can and will be held against you, so the less said the better. Provide them copies of the police report, do not consent to recording the interview, and avoid elaborating on your car accident and how you think it happened.
Avoid Downplaying or Overstating Your Injuries
Avoid downplaying your car accident injuries or underestimating future impacts and costs that could result. Refer to statements from your doctor and medical records rather than speculating. You also need to avoid overstating injuries for the sake of obtaining a better settlement. Being less than honest with insurance adjusters can result in cancellation of your policy and denial of your claim.
Think About Future Costs You Are Likely To Incur
It’s not uncommon for claims adjusters to offer an immediate settlement in the aftermath of a car accident. However, this is likely to be far less than what you deserve. Keep in mind both the full amount of your current losses, as well as any future medical expenses and lost wages you are likely to incur.
Consider Your Other Options
Insurance settlements are subject to policy limits. If the other driver was at fault and your injuries are severe, you may be better served by filing a personal injury lawsuit against them. Under the South Carolina Code, this can entitle you to additional compensation not available in an insurance claim.
Speak With Our Aiken Car Accident Attorney Today
These five tips for dealing with insurance adjusters after a car accident in Aiken can help you get the amount you deserve. Before making any statements to insurers or accepting any settlements, reach out to the Surasky Law Firm first. Our goal is to get you the maximum amount you need to recover from your injuries. Contact our Aiken car accident attorney to request a consultation today.