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  • Writer's pictureVincent Tubiana

Life After Your Car Accident: Tips For Dealing With Insurance Adjusters

Every year, nearly 6% percent of American citizens with an auto insurance policy have a collision claim. Millions of car accidents occur in the United States every year. Typically, these collisions will leave lots of property and bodily damage in their wake. If you were recently involved in a car accident, you will probably start to receive calls from the insurance adjuster representing the other driver. 

While this is standard practice, there is a right and wrong way to handle these communication attempts. If you want to deal with an insurance adjuster the right way, consider these great tips. 

Avoid Admitting Fault For the Accident

An insurance adjuster is solely focused on reducing the amount of money their company has to pay on a particular claim. This means they will use whatever information they can to accomplish this goal. One of the main things you need to avoid doing during your conversations with an insurance adjuster is admitting fault for the accident in question. 

The no-fault laws in the state of Florida require each involved driver’s insurance company to pay injury costs via personal injury protection (PIP) coverage for amounts up to $10,000. If your existing medical bills exceed this amount, you will need to seek out compensation from the other driver’s insurance company. If you admit fault for the accident, you will hurt your chances of getting the compensation you deserve. 

Keep Detailed Records of Communication

Once you start to receive calls from an insurance adjuster, you need to document these occurrences. Writing down who you spoke with and the subject matter covered in the conversation can help you greatly in the future. By documenting this information, you can refute any challenges issued by the insurance company about your claim in the future. 

Have Your Attorney Present During Conversations With an Insurance Adjuster

One of the first things you need to do after the dust settles from your car accident is to hire a lawyer to help you out. If you feel like you have injuries caused by the negligent actions of the other driver, you will need some legal guidance to get the compensation you deserve. 

During your conversations with an insurance adjuster, you may mistakenly say things that hurt your case. Rather than making these mistakes, you need to have your attorney present during phone conversations and meetings with an insurance adjuster. 

Insist on Selecting Your Own Doctor

In some cases, an insurance adjuster might tell you that you have to see an insurance-approved doctor. Generally, you can see your primary care doctor to treat the injuries you sustained in the accident. If you do have to see an insurance-approved doctor, then you need to consult with your attorney to see why this is happening. They will be able to give you a rundown of your rights and details about other options on the table you can use to avoid visiting a doctor you aren’t familiar with. 

At the law firm of Hutchison & Tubiana, P.L.L.C., our main goal is to get you the compensation you deserve.  


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