Being involved in a motor vehicle accident can be a stressful and traumatic event and, unfortunately, troubles often do not end once the incident is over. You will still have to speak with an insurance adjuster who will be looking out for the best interests of the insurance company rather than your need for just compensation. He or she might seem friendly, but it is important to remember that the insurance adjuster is not your friend. Exercise caution and keep the following tips in mind for any conversations you have:
Only provide limited personal information: The insurance adjuster is going to attempt to get detailed information from you, but you are not obligated to provide this. Tell him or her only your full name, address, and telephone number. You might also be able to mention where you are employed, but refrain from discussing anything about your work, schedule, or income.
Do not provide in-depth details of the accident: It is likely that the insurance adjuster will ask for you to provide a statement regarding the details of the accident, but you do not have to oblige him or her. Oftentimes, insurance adjusters also use tactics to get the conversation flowing and will attempt to extract details from you in a more casual manner, so it is important to politely decline and refuse all of these attempts. You and your attorney will craft a written demand for compensation, which will describe the accident in detail, so there is no need to discuss it on the phone. You might phrase something in a way that can be taken out of context and used against you later.
Do not be in a rush to settle too quickly: Initial offers are often unreasonably low and cannot begin to cover the expenses associated with your injuries or property damage. While the prospect of obtaining money quickly might be tempting, especially if your medical bills are particularly overwhelming, this is a mistake that will cost you more in the long run, so do not let the insurance adjuster tempt you with this.
Set limits on conversations: There is no need to be rude, but you should make it clear that you have no desire to discuss much on the phone. Many insurance adjusters push hard for injury victims to settle quickly, so make sure you set clear limits on phone contact early on to discourage frequent contact.
Oklahoma City Car Accident Attorney
If you were injured in a car accident caused by someone else’s reckless or negligent actions, you have a right to pursue fair and just compensation. At the Law Offices of Dan Davis, our Oklahoma City car accident attorneys are committed to helping you do exactly that. You do not have to go through this traumatic experience alone. Reach out to us today.
Call our legal team at (405) 531-9983 to schedule a free consultation.