Car accidents are a common occurrence in the United States. According to the National Highway Traffic Safety Administration (NHTSA), there were over 6 million police-reported car accidents in the United States in 2019. When a car accident occurs, working with insurance adjusters to file a claim and receive compensation for any damages or injuries sustained is essential. However, many people are unfamiliar with the process and are uncertain about what to expect from insurance adjusters.
Here are six basic tips on what to expect from insurance adjusters, how to handle them, and your rights as an accident victim.
1. Initial Contact
After a car accident, the insurance adjuster will typically contact you within a few days. The adjuster will ask for your name, address, phone number, and other personal information. They will also want to know the details of the accident, including the date, time, and location, as well as the names and contact information of any witnesses. The insurance adjuster may also ask for a copy of the police report.
2. Investigation
The insurance adjuster will investigate the accident to determine who was at fault. They will review the police report, speak to witnesses, and assess the damage to the vehicles involved. The adjuster will also review your medical records to determine the extent of your injuries.
3. Settlement Offer
Once the adjuster has completed their investigation, they will make a settlement offer. The offer will include compensation for your medical expenses, lost wages, and pain and suffering. The settlement offer may be lower than what you believe you are entitled to, so reviewing the offer and considering your options carefully is essential.
4. Acceptance of Settlement
You must sign a release form if you agree to the settlement offer. The release form will prevent you from filing a lawsuit in the future. Therefore, it is essential to carefully review the release form and ensure that you are comfortable with the terms before signing.
5. Your Rights as an Accident Victim
- You have the right to File a claim for compensation for any damages or injuries sustained in the accident.
- You have the right to Receive fair compensation for your injuries and damages.
- You have the right to Seek legal advice and representation.
- You have the right to Reject a settlement offer and file a lawsuit if necessary.
It is important to know your rights and protect them. If you feel your rights have been violated, seek legal advice from a personal injury lawyer.
6. Handling Insurance Adjusters
Dealing with insurance adjusters can be stressful and confusing, especially if you are unfamiliar with the process. Here are some tips for handling insurance adjusters.
- Be Honest
Provide accurate information about the accident and your injuries. - Be Organized
Keep track of all documents related to the accident, including medical bills, repair estimates, and police reports. - Be Patient
The process can take time, so be patient and do not rush into accepting a settlement offer. - Be Assertive
If you feel that the insurance adjuster is not treating you fairly, speak up and seek legal advice.
Conclusion
Remember to be honest with the adjuster, carefully review settlement offers, and seek legal advice if necessary. Doing so can protect your rights and ensure you receive the compensation you are entitled to.
If you’ve been involved in a car accident and are struggling to handle your car accident claim, don’t hesitate to seek the help of an experienced car accident lawyer. We can assist you in getting the compensation you deserve and protect your legal rights throughout the process. Contact us today!