The Dos and Don'ts of Dealing with Insurance Companies After a Personal Injury

In most personal injury cases, it is often the insurance company that will be providing a payout to a victim and not the individual who actually caused the injury incident to occur. This is the role of insurance providers and why individuals purchase insurance coverage. However, despite an insurance company’s primary function to compensate victims that successfully file personal injury claims, they generally do not want to pay anything at all.

When an insurance company has to pay out a settlement to a victim, it is money lost. It digs into their profits. As a result, an insurance adjuster assigned to a case will be tasked with the job of finding ways to devalue claims against them or deny them. They are trained on how to investigate and communicate with victims to get information that is detrimental to a claim. 

For any questions related to personal injury laws in Pennsylvania and guidance on what to do after an accident, the Philadelphia personal injury attorneys at Edelstein Martin & Nelson, LLP offer victims support, assistance, and legal representation.

How to Handle the Insurance Company After an Injury Accident

Dealing with an insurance adjuster after an accident can be stressful, and when injuries are suffered, it can be hard to think clearly. Mistakes can be made. Victims of injury accidents that have an attorney handle the insurance adjuster can help preserve the strength of a claim and increase the chances of securing full compensation for damages.

If you are contacted by an insurance adjuster, it can be constructive to know what you are going up against. These tips on what you should and shouldn’t do when an adjuster calls can make the difference between fair compensation and little to no compensation at all.

Insurance Adjusters are Not Compassionate Towards Victims

The adjuster is going to likely sound as if they are caring and concerned about your well-being, but the truth is they are only interested in getting you to give them information that could ultimately hurt your claim. By extending kindness, an insurance adjuster is attempting to get you to feel comfortable with them so you will answer their questions and give them the details of your accident they want.

Insurance Adjusters Want to Close Claims Quickly

An insurance adjuster who cannot deny your claim will try to get you to take the lowest offer possible so that they can close your file and end your case. The first offer that they provide is typically not their best. So, understanding the actual value of your claim and being patient to get to the right amount is critical.

Insurance Adjusters May Try to Prolong Your Case

An insurance adjuster who cannot get you to take a low offer may then turn to delay tactics. Here, the idea is that if they can stall your case, they may be able to either run out the clock on Pennsylvania’s statute of limitations, frustrate you to come back to the table and take a low offer, or make it so you never actually get around to filing a suit against them.

Insurance Adjusters Don’t Want You to Have a Lawyer

Insurance adjusters quickly reach out to victims in some situations to speak to them before they can obtain legal counsel. This is because once an attorney is involved, an insurance adjuster is going to be unable to trick or fool an attorney who knows their game.

Speak with an Attorney at Edelstein Martin & Nelson, LLP Today

For your convenience, the legal team at Edelstein Martin & Nelson, LLP offers free consultations to review your personal injury case. Call today at (215) 731-9900 to schedule a time to meet with an experienced attorney.