Soon after the accident, you will likely receive a call from the insurance company. If not, you must inform your insurance company about the accident to initiate the car accident claim. You must know how to handle and approach the conversation with the adjuster not to harm your claim.
As said, the insurance adjuster is not your friend or relative, and they work for the insurance carrier. So, you must be extra careful with your words when speaking to them. However, the best way to ensure that you do not ruin your claim is by talking to a car accident lawyer in Iowa before you call the insurance company. A lawyer will provide you with all the details about the right approach.
Tips to remember when speaking to an insurance adjuster after a car accident
1. Do not panic.
After the accident, you may have multiple emotions, mainly if the accident was caused due to another person’s fault. Remember, being rude to the insurance adjuster might not help you get a fair settlement for your injury. While speaking with an insurance adjuster, be calm and answer their questions politely.
2. Know who you are talking to.
Before meeting or discussing anything with the insurance adjuster, get the phone number, name, and business address of the person you will talk to.
3. Do not give too much personal information.
While discussing with an insurance carrier, you do not need to provide all your personal information. Give them only limited information, including your full name, address, and telephone number. You can also tell them about your work and the type of job you do. However, refuse to share additional personal details.
4. Do not provide details of the accident.
An insurance claim adjuster can ask or insist on stating how the accident occurred. The only basic details you need to share are: where it happened, when it happened, the vehicle involved, and the identity of another driver or observers. They may ask you a few more questions about the accident, but you can tell them that your investigation is in the process, and you may share other information later.
5. Give no details of the injury.
The insurance claim adjuster will ask you about your injuries caused due to the accident, but make sure that you do not share any details about the damage. You may not be sure about the full extent of your injury and share any details with the insurance adjuster. Tell them that you are still not recovered yet and receiving medical treatment.