February 26, 2024

Dealing with an insurance company after an accident can be emotionally draining.

In the event of a car accident, knowing how to scare insurance adjuster into making a fair claim settlement offer is critical.

Tips on How to Scare Insurance Adjuster: Full Guide

It is critical to remember that insurance companies will continue to seek profits.

They are for-profit organizations, so the more money they have to pay out, the less money they make. They try everything to save money and settle claims as quickly as possible.

Our car accident lawyers have years of experience providing legal counsel in these cases, so we understand the tactics of insurance adjusters and the insurance claim process.

Having an auto insurance attorney on your side to fight for you is the best way to scare insurance carriers or adjusters. You should not accept anything less.

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Understanding Insurance Adjusters

Following an accident, insurance adjusters will inspect and assess your damage. Keep in mind that insurance companies are not looking out for your best interests.

They will examine the damage to determine how they can reduce their costs. They are attempting to offer the lowest possible payout.

When you first speak with the insurance claims adjuster, you may be surprised by how they will try to blame you for the accident or even accuse you of insurance fraud.

Here are some common strategies for determining the full extent of your injuries (while still making a profit):

Requesting Your Medical Records

You are not required to provide insurance adjusters with access to your medical records. Medical treatment authorization forms frequently grant them access to past and current medical records.

This includes records that have nothing to do with your personal injury claim. If you grant them this fight, they may attempt to blame your current injury on an unrelated pre-existing condition or injury.

Working With Doctors

Insurance agents will occasionally question your doctor with closed-ended questions. Your doctor must thoroughly explain your condition. This will help you avoid inadvertently exaggerating your injuries.

An independent medical examination may also be conducted by insurance companies. This will take place with a doctor of their choosing. If your insurance company requests it, first consult with your personal injury attorney.

Field Interviews

Insurance adjusters will ask closed-ended questions early in your personal injury case.

These questions are designed to prevent you from elaborating and to help them conclude that your story is flawed. This may result in a lower insurance claim.

Delay tactics

In many cases, an adjuster will use delay tactics such as not returning your phone calls. They do this to persuade you to give up.

They may also claim that you took too long. This is done to scare you into believing you are past the statute of limitations.

In Florida, the statute of limitations for car accidents is four years. If they are delaying contact, hiring an attorney is the best way to fight back.

Tips on How to Scare Insurance Adjuster

1. Don’t Talk to The Adjuster 

You should not discuss your claim with the insurance adjuster. If they accuse you of causing the accident, you may be tempted to explain what happened.

They will most likely use scare tactics to intimidate you into providing them with the information they seek, even though you are not legally required to speak with them.

A recorded statement is frequently requested by insurance adjusters. This entails listening to a recorded conversation about the accident.

The issue is that what you say becomes evidence. If you become agitated and provide damaging information, the adjuster may use it against you.

The state does not require recorded statements with another person’s insurance company. It’s critical to remember your rights if they suggest it’s a requirement or try to persuade you to comply with their request.

If they call, you can politely decline to speak with them. Inform them that you have hired a lawyer or that you will hire one shortly after the call so that they can discuss the case with the adjuster on your behalf.

2. Being Careful of What You Post on Social Media

Insurance adjusters may also be watching your public social media accounts. Even if the photo is an old favorite, avoid posting it online.

Be cautious of anything you post on Facebook, Twitter, or Instagram after an accident that may give the impression that you are not injured.

Insurance adjusters may even observe you from outside your home. They will occasionally hire a private investigator. Remember to relax as you recover.

Don’t be afraid to seek assistance from friends and family. Even if it’s something as simple as getting the mail, they could use it to claim your injuries are minor.

3. What Not to Say to an Insurance Adjuster

Keep in mind that the insurance claim adjuster works for the at-fault party’s insurance company. They will do everything possible to reduce the amount of compensation you will receive following your accident.

One method they use is to try to get you to admit some liability.

Do not answer any questions about what you could have done to avoid the accident. They may inquire as to whether there was anything else you could have done. They may also bring up external factors such as the weather.

The best way to deal with this is to refer an insurance adjuster to your lawyer. They can’t use anything you say against you this way.

How to Negotiate with Insurance Adjusters

Before you begin the negotiation process, you should be aware of a few critical factors. First, determine whether you are dealing with first-party or third-party benefits.

Your auto insurance provides first-party benefits. The insurance company that insures the person who hit you provides third-party benefits.

Knowing the value of your vehicle can also be beneficial. Claims adjusters will determine the cost of repairing your vehicle. However, knowing the actual value of your vehicle can help you negotiate a more equitable claim.

The initial offer from an insurance company will almost certainly be extremely low. Do not accept the first offer. When negotiating, keep the following factors in mind:

  • The exact value of your automobile 
  • A fair settlement for damages to your car or other property damages
  • Medical bills, both instantly following the accident and for potential long-term medical expenses
  • Pain and misery caused by the accident 
  • Lost wages or income due to skipping work from your injuries 

These factors should be used to determine the absolute bare minimum you would accept in a settlement agreement. Our personal injury attorneys can assist you in determining what your minimum settlement should be.

What to Look Out for on Calls

When the insurance company calls you right after the accident, you should always be cautious. Accidents are traumatic experiences that require time to process and recover from.

Most insurance adjusters exploit this by contacting you shortly after the accident.

In a phone call, politely decline to discuss the facts. You can discuss the fundamentals, such as where and when the accident occurred, as well as the vehicles involved.

However, you should inform them that the investigation is still ongoing. Share nothing too personal or conversational.

Insurance company claims adjusters may ask you to provide a recorded statement when they call. While you may believe this is only for informational purposes, keep in mind that adjusters can use anything against you.

It is not uncommon for agents to replay recorded statements in order to find more information to use against you. Do not concur with any recorded statements.

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In Summary

Insurance adjusters are critical in resolving tort claims seeking damages for personal injury and property loss; they are the checkbook for the insurance company.

Your ability to persuade the insurance adjuster that you have a legitimate legal claim will determine whether you receive a fair auto accident settlement out of court or must go to trial.

Many claim adjusters act in good faith and make fair settlement offers, even if you disagree with the figures.

Other adjusters, on the other hand, cross ethical lines and use aggressive tactics to persuade claimants to drop their claims or accept low settlement offers.

In this article, we hope you learned how to scare insurance adjusters into a fair settlement.

If you use this post correctly, you will be armed with information that will scare the insurance adjuster into treating you fairly when negotiating the value of your motor vehicle collision crash or property damage claim.

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