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3 Things to Know Before Talking to a Claims Adjuster


After sustaining an accident injury, an initial step to securing damages often involves dealing with insurance claims and interacting with claims adjusters. While insurance professionals are trained to settle claims, you need to protect your interests and approach these conversations with caution.

Talking to a Delray Beach personal injury attorney early on in the recovery process can connect you with best practices. A lawyer can share with you crucial things to know before talking to a claims adjuster, including the following three tips.

Understand the Adjuster’s Role

Claims adjusters work for insurance companies. It’s important to remember this because even when they are helpful to injured parties, their primary loyalty lies with the insurance company, not with you. In this role, these professionals are tasked with evaluating and settling claims. They may be friendly and sympathetic, but they still excel at their jobs when they are able to minimize the amount the insurance company pays out.

When you comprehend the adjuster’s role in the claims process, it makes sense for you to be cautious with your words, to avoid admitting fault or providing unnecessary details. Stick to the facts of the incident and avoid speculating about the extent of your injuries or potential future developments, and do not agree to recorded statements without talking to a lawyer first.

Be Aware of Settlement Tactics

Also know that insurance companies often employ tactics to settle claims quickly and for as little money as possible. Claims adjusters may offer a swift settlement, hoping you’ll accept before understanding the full extent of your injuries and damages. Accepting an early settlement may leave you undercompensated for future expenses and other long-term effects of the injury.

Refrain from accepting any settlement offers without a thorough evaluation of your injuries, damages, and potential upcoming costs. Consult with professionals before engaging in any settlement negotiations to be certain you know of the full scope of your injuries before agreeing to a resolution.

Benefits of Legal Representation

Engaging the services of a Florida injury attorney can benefit you if you are in a situation where you need to discuss your case with claims adjusters. For instance, lawyers will take the time to be sure you are fully aware of your rights and entitlements.

Plus, experienced Delray Beach personal injury attorneys are skilled negotiators. They know how to communicate with claims adjusters and will present your case effectively, fighting for a comprehensive recovery package every step of the way. Injury lawyers know how to accurately assess a claim’s value so that their clients are compensated properly, taking into account current and future medical expenses, lost wages, and other damages.

Where were you when an insurance adjuster reached out? Do not negotiate with an insurance company when you are rushed or confused about the details of your claim. Talking to an adjuster after an accident requires knowledge and careful consideration. With over 30 years of experience, the lawyers at Earnhart Law are able to talk to insurance companies on your behalf and protect you from low-ball offers. To schedule a no-cost consultation, call 561-265-2220 or contact us online.

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