If you’ve been hurt in an accident, talking to the insurance company might seem like the last thing you want to do. But if you’re filing a claim, you’ll probably speak with an insurance adjuster. Their job is to look into your case and figure out how much the insurance company should pay. The problem? Their goal is usually to pay you as little as possible.
Here’s how to stand your ground, get prepared, and negotiate with confidence—just like a pro.
Gather the Right Documents
Before you talk to an adjuster, get your paperwork together. This includes:
- Medical records and bills
- Police or accident reports
- Photos of the accident and your injuries
- Repair estimates for damaged property
- Witness statements
- Receipts for out-of-pocket costs
The more evidence you have, the better your chances of getting a fair settlement. Adjusters take claims more seriously when they’re backed by strong documentation.
Know What Your Policy Covers
If you’re dealing with your own insurance company, read through your policy. Understand what’s covered, what’s not, and how much your policy limits are. This will help you understand what kind of payout you can expect. If the other driver’s insurance is involved, knowing how their policy works can help you challenge lowball offers.
Some insurance policies have rules about fault, deductibles, or limits on medical payments. If you understand these, you’ll be better prepared when adjusters try to use them against you.
Stay Calm and Professional with the Adjuster
The first call from the insurance adjuster usually comes quickly after an accident. When they call, stay polite and calm. Don’t guess or exaggerate. Stick to the facts and avoid offering extra details that haven’t been asked.
You can say something like, “I’m still gathering information, and I’ll send everything once I have all the documents.” You don’t have to answer every question on the spot, especially if you’re still hurt or upset.
Don’t Take the First Offer
The first settlement offer is often lower than what you deserve. Insurance companies expect you to negotiate. They hope you’ll take the first number so they can close the case fast. But once you accept an offer and sign the paperwork, your case is closed for good.
If the offer doesn’t cover all your bills, lost wages, or future medical care, don’t accept it. Make a counteroffer and back it up with your documentation.
Point Out the Biggest Damages
When talking with the adjuster, highlight the things that matter most—like serious injuries, long recovery times, or major damage to your vehicle. Be specific. Use your medical records, repair bills, and photos to show how much the accident has affected your life.
Also, explain how the other person was at fault. If there’s a police report that says they caused the crash, or if a witness supports your story, be sure to share that.
Mention Policy Limits and Fault Laws
If the person who caused your injuries has limited coverage, you may not be able to collect more than the policy allows. But if your damages go beyond that amount, and you have underinsured motorist coverage, you may be able to file through your own insurance.
Also, in some states, comparative fault laws apply. That means your compensation can be reduced if you’re partly to blame. Know how those laws work in your state so you’re not misled.
Be Patient and Keep Following Up
Insurance companies don’t always move quickly. Some may delay your claim on purpose, hoping you’ll get tired and accept less. Stay patient. Keep calling, emailing, or sending follow-up letters. Write down the name of every adjuster you speak with and keep records of what you discussed.
Persistence pays off. Don’t let delays or unanswered calls stop you from pushing for what’s fair.
Get a Lawyer if Things Get Complicated
Sometimes, the insurance company just won’t play fair. They may deny your claim, blame you for the accident, or offer much less than you need. When this happens, it’s time to get legal help.
A personal injury lawyer can handle communication with the adjuster, gather more evidence, and negotiate on your behalf. If needed, they can take the case to court.
Many injury lawyers offer free consultations and work on a contingency fee, which means they only get paid if you win.
Protect Yourself and Speak Up
Dealing with an insurance adjuster isn’t always easy. But if you stay calm, collect the right evidence, and understand your rights, you can make a strong case for fair compensation.
If you feel overwhelmed or the insurance company isn’t being honest, don’t wait. Call Friedman Injury Law accident attorneys today at (702) 970-4222. Let us help you get the full compensation you deserve.
