Help For Dealing With Insurance Adjuster’s First Call

After the insurance adjuster has spoken with the policyholder and has gotten that party’s story, then he or she calls the claimant, in order to get the claimant’s story. If you are the one that has filed the claim, then you need to be ready for that expected call.

Be sure to have pen and paper by the phone

When you get the anticipated call, you need to get the name of the person at the other end of the line. Also, get that same person’s phone number.

How to proceed with the call

Offer only a limited amount of evidence. Confirm your identity and your contact information. If you are working, you should feel free to describe the way that you earn a living. However, do not share information on your salary.

Expect to be asked what took place at the time of the accident. Feel free to share information on the time, place and location. Also share facts on the types of vehicles involved. Never agree to provide the insurance company with a recorded statement.

The personal injury lawyer in Algonquin knows that you need to expect to get lots of questions about your injuries. Those you do not need to answer. Just say that you plan to offer details on your injuries in your demand letter. That statement could bring the call to a conclusion.

After the call has finished, take some time to write down what you have learned. Also note what you have told the caller/adjuster. That way, you know what facts should not feel compelled to repeat.

Understand what adjusters do after making that first call to a claimant.

Each of them checks the company’s database, in order to learn whether or not the claimant has filed any prior claims.
Each of them goes online to study what has been posted on Google or Facebook. Did any postings make mention of the claimant’s activities?
Each of them will hope to obtain copies of the claimant’s medical records.
-If you have hired a lawyer, then you can tell the adjuster to contact your lawyer. Make sure that your attorney keeps you updated, regarding what information about your injury has been given to the defendant’s insurance company.

-If you have not hired a lawyer, be sure not to sign any form that is supposed to grant the adjuster’s access to your medical records. The form provided to you might be one that could allow access to all of your records, not just those that are relevant to your existing injury.

-Find out how you can get the relevant medical records to the adjuster’s office. Contact your treating physician, and request copies of the record that pertains to your injury. Send those same copies to the adjuster’s office.