Dealing With Insurance Adjusters After Your Accident
by Shulman Hill
Dealing with insurance adjusters after your accident can be confusing and frustrating. When you are injured and trying to recover, it can be especially overwhelming. Insurance adjusters have one goal: to save the insurance company money. They can use whatever you say against you to fit their bottom line.
A personal injury lawyer is familiar with their tactics and can speak to them on your behalf, all while protecting your rights throughout the claims process.
Do Not Admit Fault for the Accident
After an accident, avoid making any statements that could imply you were at fault. You may feel inclined to apologize or make concessions to make others feel better, but this could harm your case since it comes off as admitting fault. Instead, only state the facts.
Do not agree to give a recorded statement until you talk to your lawyer. They can help you craft a statement that protects your legal right to compensation.
Avoid Speculation About Fault
While you should not admit fault to the adjuster, you should be equally cautious about accusing others. If another party is at fault, the facts of the accident will point to the ones responsible. Emotional or accusatory testimony can harm your credibility and negatively affect your case.
Do Not Disclose Your Current or Prior Medical Conditions
The insurance adjuster may ask how you are feeling or whether you are injured. Even if you feel fine at the time, avoid giving the adjuster any information about your physical or mental state. They can use even simple statements like “I’m OK” to imply that your injuries do not require compensation for medical assistance.
In addition, the insurance adjuster may use your prior medical history as an excuse to reduce your claim. For instance, they may indicate that some or all of your injury is preexisting and, therefore, not covered by the accident claim.
Instead, say nothing about your health and seek medical assistance as soon as possible. Some injuries may not be immediately apparent due to the adrenaline in your system. If you begin to feel pain or discomfort within the days or weeks following the accident, visit your primary care physician or the hospital.
Do Not Release Your Medical Records
The insurance claims adjuster will likely ask for a copy of your medical records to proceed with the claim. While they may need certain medical documents to verify the extent and severity of your injuries, they may ask for more medical information than they need.
Speak with your injury attorney before you sign any releases for medical records. They can help you protect your privacy.
Follow Your Doctor’s Orders
Insurance adjusters will sometimes observe claimants to see whether they are truly as injured as they say. To avoid any questioning from them, follow all of your doctor’s orders. Be sure to attend all doctor’s appointments and physical therapy sessions as advised. Be honest with your doctor about your pain, discomfort, and mobility issues associated with the accident injury, so they can treat them fully.
Be Wary of Lowball Settlement Offers
Sometimes, insurance adjusters will contact you right away with a lowball settlement offer. These offers rarely cover the full extent of the damages associated with your injury. Instead, they are designed to appease you in the hopes that you will not take the claim any further.
Lowball offers are especially dangerous when you require extended medical care. They often come with a liability release or another agreement that prevents you from pursuing additional damages. Rather than accepting the initial settlement right away, review the agreement with your attorney to determine whether it will cover the full extent of your losses.
Do Not Be Afraid to Negotiate With the Insurance Adjuster
Since the insurance adjuster’s goal is to reduce your settlement as much as possible, you are unlikely to receive a fair initial settlement offer. No matter how aggressively the insurance adjuster acts, you do not have to sign off on a settlement you do not agree with.
Negotiations with insurance adjusters can be stressful, so you could benefit from working with an attorney familiar with injury claims like yours.
Hire a Personal Injury Attorney to Handle the Insurance Adjusters
Whether you suffered an injury in a car accident or during a fall on someone else’s property, you deserve compensation for the losses you sustained due to another person’s behavior. A personal injury attorney with our firm can help you negotiate a fair settlement with insurance adjusters.
If you need to file an insurance claim for an accident due to someone else’s reckless or negligent behavior, get help from Shulman & Hill today. Call 866.880.0645 for a free consultation with one of our team members. We can help you understand your legal rights and advise how to deal with insurance adjusters after your accident.
When you suffer injury in a car accident, slip and fall, or another incident, one of your first steps is to file an injury claim with the appropriate insurance company. A personal injury lawyer can help streamline the process by reviewing your claim, compiling evidence, and representing your best interests in settlement negotiations. An Attorney […]
You can pay your medical bills before you receive your insurance settlement by: Finding out if your healthcare provider will delay charging for treatment until the insurer agrees to cover it Filing for workers’ compensation benefits, if the injury occurred at work Finding out if your healthcare provider offers financial assistance or other forms of […]
Whether you have been injured on a construction site, in a car accident, or during a slip and fall, physical injuries are likely not the only harm you suffered. For many accident victims, physical injuries and the financial losses from those injuries are only the start of their concerns. The intangible effects of the injury, […]
Like many in Manhattan, our attorneys have been following the news about the tragic parking garage collapse. When the four-story Ann Street structure fell on Tuesday, the four floors pancaked atop one another, taking one life, injuring five others, and crushing many cars. A parking garage collapse puts occupants, passersby, and first responders in danger. […]
"The treatment received by Shulman & Hill was extremely excellent. They treated me like I was part of their family and that gave me a lot of confidence in them. I would recommend them one hundred percent because they are very trained in your area. I congratulate you and ask God to fill you with blessings. Gracias for your support."
"I would like to thank The Shulman & Hill Law Firm in Brooklyn for their outstanding representation on my worker’s compensation case. The monetary reward exceeded our expectations and Alex worked closely with me to meet and exceed my goals."
"To anyone in need of a worker’s compensation lawyer, I highly recommend Alex Shulman and his team. They went above and beyond to best accommodate me during my time of injury. All my questions and concerns were answered in a timely manner and with the utmost professionalism. In addition and most importantly they fought to make sure I was correctly compensated for my injuries at time of settlement and didn’t rush to get paid. I will be recommending their firm to anyone and everyone in need of their services."
"I am both satisfied and relieved with the results this extremely professional and reliable firm did. They lead me through the entire process, they never gave me any issues. They handled everything on their own, and always put a great deal of effort to ensure my comfort and best interest. They were always reachable and answered all my questions, and gave me information even when I didn’t know what the right question to ask was. They turned a grave dilemma into something very manageable and repairable. They are efficient and do not linger with any paperwork, I was truly amazed at the results and the short time it took. I highly recommend them to anyone, and will seek their counsel in the future."
"I really appreciate the service I received with Shulman & Hill. They walked me through the process and kept me informed every step of the way. They would call and leave a message and when I called back, I was connected with a person who knew exactly what my call was about. I was very satisfied with my settlements. Thank You!"
"Alex Shulman did a wonderful job walking me through all the process of my case…making sure I understood all the legality and severity of all my hearing. I highly recommend their firm to handle any and all worker’s compensation cases. They strive for your wellbeing health-wise as well as aiming for the financial max."
"Schulman & Hill was my very first choice I chose for my WC case . I am very pleased with the outcome of my case. I would highly recommend them to friends. They are very professional and kept me informed during every step of this process. Should I ever need a WC attorney again, God forbid, Shulman & Hill it is, hands down . Thank you ."
"I had a great experience with Shulman & Hill. They have a great team and were very understanding and helpful from day one. I felt like I was in good hands and the outcome on my case overreached my expectations! I highly recommend this firm. You can be rest assured that they will fight for you rights."
"My experience with the Shulman & Hill lawyers during this process time was excellent, they are competent and very professional lawyers, they worked quickly with my case and they kept me informed of the whole process all the time. Shulman & Hill’s fans recommend them with closed eyes, thank you very much Shulman & Hill."
"Shulman & Hill is the best firm out there. They help you understand....since walking into Shulman & Hill, they have guided me...to get a win. I am completely happy with my compensation. What brought me to Shulman & Hill was their expertise in workers compensation and personal injury cases. What I found value in was in their mission to provide compassionate service..."
"I went to the Internet to find a lawyer to assist me to navigate worker’s compensation process. Shulman & Hill was my first choice and I have no regrets. I was impressed with the prompt response to my case. I must comment on the office environment and office staff being friendly, professional and prompt. A big thanks to the lawyers that represented me at the hearings and Valeria who helped to lessen my anxiety are dealing with legal issues. I have no hesitation in recommending this law firm to anyone that requires legal services."
"The best law firm in NYC! They explain everything to you and they are very generous and helpful. The lawyers are excellent and very respectful as also is the receptionist. I highly recommend the Shulman & Hill law firm."
"Excellent lawyers. Excellent service. I will recommend them as my first choice. They helped me with my case since day one. They know exactly how to work on a case and win it. They worked fast and were always in communication with me. I won my case with a very high amount. Thanks to all the staff, I wish them my best. They will always be in my heart."
"Had a very positive experience working with Shulman & Hill in the worker’s compensation case. Everyone is very professional and competent. Received the maximum possible settlement in court. I am sincerely grateful to my lawyers and personally Alex Shulman for the work done. I wish you further success and prosperity."
"I am so glad that I chose Alex Shulman to represent me in my worker’s compensation case. I have definitely recommended him to some of my coworkers and friends who needed an Attorney. I am so happy with the service I got from him and his paralegals. Thank you very much to the entire staff at Shulman & Hill for everything!"
"Shulman & Hill have been tremendously helpful in resolving my case. They are extremely professional and thorough. I would recommend them to anyone working to resolve a difficult case."
"I was very pleased with the work of this firm. They made sure I understood my case and I was never left out of the loop. They were professional and very friendly. I would recommend them to anyone looking for someone who is going to fight for you to the very end."
"Do not waste time looking for better. There is no better than Shulman & Hill. I am very happy I got introduced to them by my good friends. Definitely THE BEST there is."
"Shulman and Hill are the absolute best: JJ, Alex and Christine are powerhouse attorneys who get the best results for their clients. I feel like these guys took care of me like family. When you’re dealing with a worker’s compensation case, you’ll want a pit bull to represent you: Shulman & Hill is the firm you need."
"Wonderful service quality by the group of professional advocates in the law firm of Shulman & Hill! I did not expect that I will find a proper solution regarding my worker’s compensation. However, it has been possible by the experts and they have made the task easier over the period. Thanks to them for their help."
"I would definitely like to thank Mr. Alex Shulman and his entire staff at Shulman and Hill for their exceptional work in helping me with my Worker’s Compensation case. Their entire staff was courteous and professional from start to finish and all work was done in a timely fashion. I was previously with a different law firm who were not as informative, and they made me feel like I was a mere money to them. I personally recommend the law offices of Shulman & Hill for any injury/ worker’s compensation case you may have. They strive to get you a maximum reward for your injury, while maintaining the utmost courtesy and professionalism."