After you have been involved in a car accident, and you report the car accident to your insurance company, an insurance adjuster is going to get in contact with you. The job of the insurance adjuster is to gather information about the accident.
The insurance adjuster will then use this information to determine if the insurance company will approve your claim and what they will approve your claim for. The adjuster is going to ask you for a variety of information that will assist them with researching your claim.
Basic Personal Information
The adjuster will ask you for some basic personal information, such as your name, address, and phone number. The adjuster may also ask you about where you work and what type of work you do.
Feel free to provide the adjuster with your basic personal information and place of employment. However, you don't have to provide the adjuster with detailed information such as when you work, how much you make, or details beyond your job title.
Next, the adjuster is going to want to know about the accident. You should only answer the most basic questions about the accident, such as where and when it happened, what vehicles were involved, and who witnessed the accident.
You shouldn't provide the adjuster with more details than that, and you shouldn't express regret or remorse about the accident. You want to keep the information basic so that nothing can be used to deal you responsible for the accident.
Next, the adjuster may ask you about any injuries you suffered. This is tricky, and you need to watch your words carefully. If you say that you feel fine, and later discover that you did in fact suffer an injury, the insurance company may try to hold you to your words. With car accidents, many injuries are soft tissue injuries that will not show up until later.
Let the insurance adjuster know that you will be getting medical attention, or that you have gotten medical attention. You should without injury details during a conversation with the adjuster.
Your insurance company should eventually get information about any injuries you suffered. This is best done through a written statement that includes only relevant medical records with your demand letter.
If you are ever unsure how to answer an adjuster's questions, consult with your attorney first. An attorney can help advise you on what you should and shouldn't share with the adjuster. Contact a law firm, like The Harris Law Firm, for more help.