Dealing with insurance adjusters after an accident can be frustrating. Whether you’re filing a claim for a car accident, slip and fall, or another personal injury, insurance companies have one goal: to pay as little as possible. Adjusters are trained to minimize payouts, and if you’re not careful, you could end up settling for far less than you deserve.
Understanding how adjusters operate can help you protect your rights and avoid common traps. Below, we cover what you need to know when dealing with insurance adjusters in Nevada.
What Is an Insurance Adjuster?
An insurance adjuster is someone who investigates claims and decides how much money the insurance company should pay. Their job is to assess damage, review medical records, and determine liability. They may sound friendly, but remember—they work for the insurance company, not for you.
How Insurance Adjusters Evaluate Claims
Adjusters use several methods to assess the value of a claim:
- Reviewing police reports, medical records, and repair estimates
- Interviewing witnesses and involved parties
- Checking social media for anything that could weaken your case
- Looking for inconsistencies in your statements
Their goal is to find ways to reduce the insurance company’s payout.
Common Tactics Insurance Adjusters Use
Insurance adjusters often use tactics to pressure you into accepting a lower settlement. Knowing what to expect can help you avoid making costly mistakes.
Quick Settlement Offers
Insurance companies often offer fast settlements before you know the full extent of your injuries. These offers might seem tempting, especially if you’re facing medical bills, but they are usually much lower than what your claim is worth.
Disputing Liability
Adjusters may try to blame you for the accident or argue that you were partially at fault. This can reduce the amount of compensation you receive.
Delaying the Claim
Some insurance companies drag out the claims process, hoping you’ll get frustrated and settle for less. If your claim is taking too long, it may be time to speak with a lawyer.
Tips for Dealing with Insurance Adjusters
To protect yourself and strengthen your claim, follow these steps when dealing with an adjuster.
Be Careful What You Say
Insurance adjusters are trained to get you to say things that can be used against you. Stick to the facts and avoid discussing details about your injuries until you fully understand their severity.
- Do not admit fault. Even saying “I’m sorry” can be used to reduce your settlement.
- Avoid giving recorded statements. These can be twisted to weaken your case.
- Don’t downplay your injuries. Some injuries take time to show up, so don’t say you feel fine if you’re unsure.
Keep Detailed Records
Having strong evidence is key to maximizing your compensation. Keep copies of:
- Medical bills and doctor’s notes
- Police reports
- Photos of injuries and property damage
- Receipts for accident-related expenses
- A journal documenting pain, doctor visits, and recovery progress
Understand Your Policy
Before speaking to an adjuster, review your insurance policy so you know what’s covered. This prevents them from misleading you about what you’re entitled to receive.
Why You Should Consider Hiring a Lawyer
If you’re unsure about handling your claim alone, consulting with a personal injury lawyer can help. Attorneys understand how insurance companies work and can negotiate on your behalf to secure a fair settlement.
Benefits of Hiring a Lawyer:
- Higher Settlements: Lawyers know how to maximize compensation.
- Legal Protection: An attorney can prevent adjusters from using unfair tactics against you.
- Less Stress: With a lawyer handling negotiations, you can focus on recovering.
Get Legal Help with Friedman Injury Law
Insurance adjusters are not on your side. Their goal is to settle your claim for as little as possible. Knowing their tactics and being prepared can make all the difference. If you feel overwhelmed or think the adjuster is being unfair, call Friedman Injury Law at (702) 970-4222 for a free consultation. We’ll fight to get you the compensation you deserve.
