Sustaining injuries in an accident in an accident caused by another party’s negligence can be traumatic. Also, it is frustrating when the at-fault party could have avoided the accident if they did not act negligently. Whether your injury was caused by a motorist, property owner, or a product manufacturer, you may be eligible for monetary compensation that covers your medical bills, property damage, lost income, and other damages. First, you must file a personal injury claim with the insurance provider of the negligent party. You may need an attorney from Matthew J. Tharney to ensure the accuracy and reliability of your claim. Once the insurer learns about your injuries, it will assign an adjuster to handle your claim.
What are Insurance Adjusters?
Insurance adjusters are individuals who investigate accidents to determine the liability of the insurance company they are working for. When they investigate a case, an insurance adjuster will go to the accident scene, get a copy of the accident report, conduct interviews, review your medical records, and consult with expert witnesses.
Once they complete their investigation and they determine that the insured party caused the accident, which is covered under their policy, the adjuster will calculate the claim’s value. A lot of factors are considered when determining a claim’s value including the seriousness of your injury, property damage, out-of-pocket costs, recovery duration, and permanent injuries. The insurance adjuster concludes the investigation with a report that details their determination of fault and claim valuation
If the insurer agrees with the findings of the adjuster, it may make a settlement offer. You can accept, reject, or counter this settlement offer. Keep in mind that when you accept it, your claim is completed. Thus, you won’t be able to pursue additional compensation later.
What to Keep in Mind When You Speak to an Adjuster
Insurance adjusters are hired by insurance companies. Thus, they will look after what’s best for their employers. When an adjuster approaches you, they may seem friendly and will try to resolve your claim as quickly as possible.
As a claimant, you must protect your interests and rights by consulting with an injury lawyer. You must allow your attorney to negotiate a fair settlement with the insurance company for you. They understand the strategies adjusters use to try to devalue or deny claims. When a personal injury attorney handles your claim, they focus on getting maximum compensation for the damages you have suffered because of the wrongdoing or negligence of the at-fault party. When insurance companies know that you are represented by a lawyer, they may take your case seriously.
