One of the many reasons that it pays to work with a personal injury attorney is the fact that you do not have to deal directly with insurance adjusters. Instead, we will handle all correspondence for you or with you. However, if you are going to talk to them on your own, there are a few things you should know. Read on to learn three of the most important things to keep in mind. If you decide you want the help of an experienced attorney, contact The Law Offices of Larry H. Parker at 800-333-0000 for a free legal consultation.
You Are Not Required to Answer Any Questions
You Should Not Provide a Written Statement without the Help of an Attorney
Do Not Sign a Release without Working with an Attorney
There is no legal obligation for you to talk to any insurance adjuster. If you decide to do so, do not let them pressure you into answering something you do not want to answer. If you are asked about specific details of the car accident (or whatever type of accident you were involved in), you can tell them to look at the police report. If they want access to your medical records, tell them no. If they want to record your statement, tell them no.
They are likely to try and convince you that it is normal to ask for what they are asking for. They may insist that you must do as they say. This is not true – you do not have to cooperate with them. Once you have hired an attorney, simply give them the name and phone number of your attorney and you will be done with them.
Do not give a written statement to the other party’s insurance adjuster unless you have run it by an attorney. Even the smallest discrepancy can be taken out of context and used against you. For example, if you write in your statement that you were traveling 25 miles per hour when the accident happened, but later say you were traveling 30 miles per hour, this may be nothing more than a mistake but the adjuster could use it to show that your story is not valid.
If the insurance adjuster offers you a settlement for an accident in which you were injured, you should not accept it without talking to an attorney. The fact of the matter is that their first offer is almost always going to be much lower than what you deserve. They are hoping that you will appreciate the fast offer and accept it without considering the long-term implications of doing so.
Your attorney can assess your case and make sure that all your applicable damages are covered. For example, the settlement they offer may cover past medical bills but what about future medical costs associated with the accident? When you work with The Law Offices of Larry H. Parker, you can count on us considering all damages before suggesting you agree to a settlement.