Following an accident in Louisville, you have to deal with the insurance adjuster. The insurance company appoints an insurance adjuster for your claim who handles your case. They are responsible for helping you out and also investigating the case. While they appear friendly and helpful, you need to pay close attention to what you say.
The insurance adjuster is waiting for you to say or do anything that will allow them to reduce or deny compensation. This is where it is vital to seek legal advice from an attorney who can help you and make sure you are on the safer side.
What should you avoid saying to the insurance adjuster?
- Never admit your fault in front of the insurance adjuster.
Sometimes, victims accidentally admit fault by being emotional in front of the insurance adjuster. This does not mean you are saying you are at fault. In fact, a simple sentence like “I am sorry” can be taken as an admission of guilt. For instance, after the accident, you might say “I am sorry” to the other person, and the insurance adjuster will use it against you to say that you said sorry because you were at fault.
- Do not discuss your old injuries.
The insurance company verifies every factor, including your previous injuries and health condition. If you discuss your previous injuries, especially when the insurance adjuster did not even ask, they will try to blame your previous injuries for your current medical condition. Therefore, unless your insurance adjuster does not ask, do not speak about your existing injuries. Additionally, the insurance adjuster will ask you to sign a medical release. You sign a medical release for them to access your medical records. Note that you should not sign a medical release without having an attorney review them.
- Do not say anything unless you are not 100% sure.
If you do not remember what happened at the accident entirely, avoid assuming and saying this to the insurance adjuster. This is because your statements might not be true entirely, and wrong statements can break your claim.
- Do not provide a recorded statement immediately.
The insurance company will ask you to provide a recorded statement where you will describe everything about the accident. However, it is advisable not to provide a recorded statement to the insurance adjuster unless you speak to an attorney.
Speak to an attorney!
Before you proceed with your claim, you should have legal representation by your side. Speak to an attorney today and take legal advise.