If you have been involved in a personal injury accident in El Paso, you will likely receive a call from an insurance adjuster soon after the incident. Insurance adjusters are employed by insurance companies to investigate claims, assess damages, and ultimately determine the amount of compensation the company should pay out. While their primary role is to protect the insurance company’s interests, their actions can significantly impact your ability to recover fair compensation for your injuries and losses.
Our team at Ruhmann Law Firm understands the challenges of dealing with insurance adjusters and the potential pitfalls that can arise if you are not cautious. In this guide, we will explore why insurance adjusters call you after a personal injury accident and provide valuable insights to help you get through this process effectively.
Reason #1: Gathering Information and Establishing Liability
One of the primary reasons insurance adjusters reach out to accident victims is to gather information about the incident. They will likely ask you to provide a detailed account of what happened, including the circumstances leading up to the accident, the parties involved, and any eyewitness accounts. This information is crucial for the insurance company to establish liability and determine who was at fault for the accident.
It is important to be cautious when speaking with an insurance adjuster, as any statements you make could potentially be used against you later in the claims process. It is advisable to avoid providing detailed statements or admitting fault until you’ve consulted with a qualified personal injury attorney.
Reason #2: Assessing Damages and Injuries
Insurance adjusters will also inquire about the extent of your injuries and any property damage resulting from the accident. They may ask for details about your medical treatment, the nature of your injuries, and any ongoing or anticipated medical expenses. Additionally, they may request documentation, like medical records, bills, and repair estimates, to assess the overall cost of the claim.
While it is important to provide accurate information, be cautious about disclosing too many details or signing any documents without consulting with an experienced personal injury lawyer. Insurance adjusters may use this information to minimize the value of your claim or deny it altogether.
Reason #3: Attempting to Settle Quickly
Insurance companies are more of a business venture, and the main target is to maximize profits and minimize payouts. As such, insurance adjusters may attempt to settle your claim quickly, often by offering a lump sum payment that seems attractive at first glance. However, these initial settlement offers are frequently far below the true value of your claim, and accepting them can prevent you from recovering additional compensation for future medical expenses, lost wages, or other damages.
It is crucial to understand that insurance adjusters are trained to protect the interests of the insurance company, not yours. They may use tactics such as downplaying the severity of your injuries, questioning the necessity of certain medical treatments, or suggesting that you were partially at fault for the accident.
Reason #4: Investigating and Building a Defense
In addition to gathering information about the accident and your injuries, insurance adjusters may conduct their investigations to build a defense against your claim. They may interview witnesses, review police reports, and collect evidence to support their position. Insurance companies have vast resources and may employ various strategies to minimize liability and payouts.
Dealing with insurance adjusters can be difficult and overwhelming, especially when you are recovering from injuries sustained in an accident. It is key to have our experienced personal injury attorney at Ruhmann Law Firm by your side to ensure that your rights are protected and that you receive fair compensation for your losses.
Get the Help You Need Today in El Paso
Avoid providing detailed statements or signing documents without consulting a qualified personal injury attorney. At Ruhmann Law Firm, we offer free, no-obligation consultations to evaluate your case and provide the legal guidance you need.
Remember, insurance adjusters are not on your side; their primary goal is to minimize the insurance company’s liability. When you work with an experienced personal injury attorney, you can level the playing field and increase your chances of obtaining fair and just compensation for your injuries and losses.
Do not hesitate to contact the Ruhmann Law Firm at (915) 206-5255 today. Our team is dedicated to fighting for the rights of accident victims in El Paso and ensuring they receive the compensation they deserve.