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What You Should Know Before the Insurance Adjuster Calls

Law Office of Jason Skala, LLC Feb. 5, 2024

When you've been in an accident, the aftermath can be a whirlwind of events. Amid all the chaos, one call you're likely to receive is from an insurance adjuster. As a personal injury attorney at the Law Office of Jason Skala, LLC, it's important for me to let you know that this call isn't as straightforward as it might seem. The adjuster's main objective is to save their company money, which could mean less compensation for you. 

Your best bet is to hire legal representation to handle communications with the insurance company on your behalf. However, if you do take a call with the insurance adjuster, you may be asked to answer some basic questions. You should still be cautious even if you don't dive into the details of the accident with them. Here's what you need to know before the insurance adjuster calls.  

Insurance Adjusters and Their Goals  

First and foremost, it's absolutely crucial to understand that insurance adjusters are not on your side. In fact, their primary goals are to minimize or even reject your claim altogether and help the bottom line of the insurance company. Car insurance is, after all, a $147 billion industry. 

They employ a variety of tactics to achieve this, such as casting doubt on the extent of your injuries or downplaying the impact of the accident on your life. It's important to be well-prepared for these strategies and to stand firm in asserting the validity of your claim. Remember, being knowledgeable about their tactics and staying resolute will help ensure that your claim is treated with the seriousness and fairness it deserves.

Be Mindful of Your Words  

Another critical point to remember is the importance of being cautious about the language you use when communicating with an insurance adjuster. They may attempt to persuade you into admitting fault or eliciting a statement that could potentially be used against you at a later time. It's crucial to adhere strictly to the facts and refrain from speculating or making statements that could be misconstrued. In most cases, it is advisable to refrain from providing recorded statements without first seeking guidance from a personal injury attorney who can offer valuable insights and protect your legal rights. 

The Importance of Legal Representation  

Dealing with insurance adjusters can be an intimidating task, especially if you're unfamiliar with the intricate claims process and the tactics often employed. That's where I come in. As a dedicated personal injury attorney, I am committed to leveling the playing field for you and ensuring that your rights are fully protected. I can efficiently handle all communication with the insurance company on your behalf, skillfully negotiate a fair settlement, and take decisive legal action if necessary. With a deep understanding of the strategies used by insurance adjusters, I am well-equipped to guide you through the complexities of your claim, providing you with the support and guidance you need during this challenging time. 

Document, Document, Document  

One crucial aspect that cannot be overstated is the significance of thorough documentation. It is imperative to maintain a detailed record encompassing all medical treatments, associated expenses, and any other losses that have been incurred due to the accident. This comprehensive documentation will serve as vital evidence to substantiate your claim and facilitate an accurate assessment of the complete extent of damages. Furthermore, it is advisable to keep a comprehensive record of all communication with the insurance adjuster, including dates, times, and detailed summaries of conversations. This meticulous approach will greatly contribute to the strength and thoroughness of your claim. 

Don’t Rush Into Settlements  

Finally, it's crucial not to succumb to pressure from insurance adjusters who may urge you to accept a swift settlement offer. It's been widely observed that their initial offer often falls short of what you rightfully deserve. Therefore, before considering any settlement, I highly recommend seeking my professional advice. I can thoroughly evaluate the actual value of your claim and work diligently to secure a settlement that not only meets but also exceeds what is fair and just for you. Never accept the first offer. 

Seek Trusted Legal Representation 

Dealing with insurance adjusters can be challenging, but being informed and prepared can significantly enhance your chances of securing a fair settlement. Remember, insurance adjusters aren't looking out for your best interests—but I am. As your personal injury attorney, I'll fight for your rights and ensure that you receive the compensation you deserve. 

My firm, the Law Office of Jason Skala, LLC, proudly serves clients across Anchorage, Alaska, and the surrounding areas of Barrow, Kotzebue, and Bethel. Putting me in your corner will make a significant difference in the amount of compensation you may be able to obtain. So if you've been in an accident, don't hesitate to seek trusted legal counsel and contact me today. Your rights are my top priority.