Many of us know the stress involved with being in a car accident. When you’re in a serious accident, you, of course, are most concerned with injuries sustained and recuperation from those injuries, but when you’re in an accident with no serious injuries, you’re probably most concerned about the damage your car sustained and how much it will cost to get the damage fixed. This is where your insurance company comes in—assuming you have insurance, that is. If you don’t have car insurance, that’s a whole different matter that may require the help of a criminal lawyer.
If you have filed an insurance claim following a vehicle accident, you know full well the important role an insurance adjuster pays. This is the person who comes to inspect your vehicle after the accident, takes copious notes, fills out some forms, and then later tells you what it will likely cost to fix your car. You will also find out, at some point in the process, what your insurance deductible is, what the insurance will cover and what you may have to pay out of pocket if your deductible is not met. It can be a long, arduous, annoying process especially if this is your first accident and this sounds like mumbo jumbo to you.
Insurance Adjusters Vary
If you’re lucky, you’ll get an honest insurance adjuster who will give a fair assessment of the damage to your vehicle and provide a reasonable dollar amount that will be necessary to make the repairs your car needs to be road-ready again. If you’re unlucky, you’ll get an insurance adjuster with some tricks up his sleeve.
While the insurance adjuster will always seem very friendly and helpful, you have to remember that the adjuster works for the insurance company, and every insurance company has one goal: to pay out the least amount to its customers.
Insurance Adjuster Tricks
Let’s take a look at a few tricks of the trade that insurance adjusters utilize to get you to accept a lower settlement than you deserve from your insurance company. After all, they want an inexpensive and speedy resolution to your claim, and here’s how they do that. Keep in mind that not all insurance adjusters employ these tactics but many do.
- Not returning your phone calls or emails is a common tactic to frustrate you and get you to give up on trying to gather information about your car’s damage and any settlement you may be expecting.
- Sending out a small check hoping the check’s recipient cashes the check and assumes that is the entire amount that can be collected from the insurance company. Many unsuspecting accident victims don’t know about this trick, will cash a small check, and then be stuck with that amount because by cashing the check you may be agreeing to settle your entire claim for that amount.
- Adjusters are always aware of the statute of limitations on your claim and some will do everything in their power to delay the process of settling so the statute of limitations ends before you file a claim.
- An insurance adjuster may ask questions that trick you into admitting fault; thus, the insurance company would not have to pay you money since it would be on record that you admitted full or partial fault. While the insurance adjuster’s questions may seem sincere and truly an effort to gather information, they may be worded in such a way as to hurt your chances of receiving financial compensation.
These are just a few of the most common insurance adjuster tricks of the trade to save their employer money and cause you even more stress than you’re already experiencing following a car accident.
If you have been injured in a car accident, please call our experienced traffic accident attorney at 888-640-6789. We can help you navigate the complex, frustrating process of filing and being compensated on your insurance claim. We offer a no-cost, no-obligation claim evaluation.