Following a car accident that results from someone else’s negligence, you can expect a call from the at-fault party’s insurance adjuster. An adjuster determines how much the insurance company should pay for your injuries.
While it may seem easier than filing a personal injury claim, it can be more helpful not to speak much with the adjuster, if not at all.
Adjusters may not look out for your best interests
In most cases, insurance companies will aim to pay less for your injuries. Their adjusters work to protect the company’s interests, not yours. They may use tactics to reduce your claim amount, such as:
- Asking leading questions that could harm your claim
- Offering quick, low settlements before you know the full extent of your injuries
- Using your statements against you later
- Downplaying your injuries
No law requires you to give a recorded statement to the other party’s insurance company. An adjuster can use your words against you to dispute the claim.
While adjusters might seem approachable, their primary goal is to save their company money. If unprepared, you may not get the compensation you deserve due to this conflict of interest.
Enlisting legal help can prove crucial
In North Carolina, injured individuals who file a personal injury claim within three years of the accident may receive compensation for medical costs, weeks away from work due to injury and ongoing complications.
The state, however, operates under the contributory negligence rule. If the insurance company can prove – and they will try – that you were 1% at fault for the accident, you may not recover damages.
It is best to consult with a legal professional as soon as possible and before anyone else approaches you. They can help you meet the claim requirements and challenge the insurance company in case of a dispute.