After a car accident, you will file a claim with your own insurance company according to Florida’s no-fault law. Your insurance company will assign someone called an insurance claims adjuster to your case. The claims adjuster is not on your side and may try to delay or deny your claim – even if it is valid. Use these tips to successfully handle conversations with claims adjusters.
Never Admit Fault
Never tell an insurance claims adjuster you were at fault for the auto accident. The claims adjuster will either work for your insurance company or for a third party. He or she will ask you questions about the accident during an initial investigation. Do not admit fault or accidentally incriminate yourself. Instead, stick to the facts and do not speculate about fault. Admitting fault could hurt your chances of securing a car accident settlement.
Do Not Handle Negotiations Alone
If your car accident caused serious personal injuries, wrongful death or expensive property damage, retain a personal injury lawyer Apopka, FL to help you with settlement negotiations. Serious claims deserve legal attention. Without an attorney, you may end up accepting an offer that is far less than you should have received. A lawyer can take over conversations with insurance companies and claims adjusters on your behalf while you concentrate on recovering.
Wait to Accept a Settlement
Do not accept the first settlement a claims adjuster offers you. Most first offers are tests to see if you know the true value of his or her claim. Instead, consult with an attorney to get an accurate evaluation of your claim’s value. Even if an insurance adjuster says it is the “last” or “best” offer, do not say yes until you are sure it is a fair amount. If you do not feel confident negotiating your settlement on your own, retain an attorney.