3 FAQs About Corresponding with Insurance Adjusters

May 27, 2022
woman fell on ground

If you’re planning on filing a personal injury claim, you probably won’t go up against the party that’s responsible for your injuries. Instead, you’ll likely correspond with an insurance adjuster.

Assuming the at-fault party has a liability policy and the incident in which you were hurt is considered a covered event, the insurance carrier will ultimately be responsible for the damages. As such, they’ll assign an adjuster to process the claim.

While these professionals are often sympathetic, their primary objective is to protect the carrier’s bottom line. Put another way, they’re not going to prioritize your best interests. Consequently, you should approach every interaction strategically.

To avoid jeopardizing your case when corresponding with the insurance adjuster, here’s what you should know:

1. Do I Have to Give a Recorded Statement?

Carriers will often ask claimants to speak on record. Since a formal statement could hurt your credibility down the road, it’s best to refrain from giving one without guidance or someone who can properly interject during the statement. Often times, it may be best to deny their request for a recorded statement or allow the statement refuse to allow recording.

Discussing the circumstances surrounding the incident or the damages that resulted before you’ve confirmed either opens the door for disputes or attacks your credibility. Should anything you say turn out to be incomplete or premature, the insurance adjuster may use it as cause to challenge the very foundation of your claim.

2. How Can I Advocate for My Rights from Day One?

You have enough to worry about in the wake of the incident without having to assert your rights at every turn. Thankfully, a reputable personal injury attorney can handle all correspondence with the opposing party on your behalf.

Once you hire a lawyer, you can simply refer the insurance adjuster to your legal team. You can then focus on your recovery while your attorney pursues every dollar you deserve with relentless vigor.

3. What If the Insurance Adjuster Refuses to Offer a Fair Settlement?

While most personal injury claims are settled, there are some scenarios in which the opposing party or their insurance company is being uncooperative. If this ends up being the situation in which you find yourself, filing a lawsuit may be the best course of action.

Of course, the insurance adjuster may try to convince you that the court won’t take your claim seriously. If this happens, it’s wise to defer to your legal team. After evaluating your case from all angles, a seasoned attorney will let you know if filing a suit could be worthwhile.

Speak with a South Carolina Personal Injury Attorney

Backed by more than 50 years of experience, our team at Hodge & Langley Law Firm is proud to advocate for those who have been wronged by others. If you were seriously hurt because someone failed to act with reasonable care, we’ll help you take the steps needed to seek compensation for all associated damages. Call 864-585-3873 or complete our Contact Form to schedule a free case review with a personal injury lawyer in South Carolina.



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