Dealing with the aftermath of a car accident can be stressful and exhausting. One of the necessary steps is speaking to the insurance companies involved, both yours and the other driver. If you were struck and not at fault, pay attention to these tips, so you know how to go about having a conversation with the other driver’s insurance adjuster.
Try To Stay Calm
The process of speaking to an adjuster, whether for your insurance carrier or the other driver’s, can be overwhelming and stressful. Especially when speaking to the at-fault party’s adjuster, tensions may run high. Remember, they are trying to gather evidence to try and prove you either played a part in the crash or that your damage and injuries were minimal. Therefore, you may feel frustrated and even angry with the way the adjuster speaks to you, and the questions they pose. Remember to try and remain as calm as possible. You are most likely on a recorded line, and anything you say can be presented as evidence.
An adjuster’s job is to determine who and what caused the crash. As such, they like to ask very specific questions such as:
- How far into the lane was your vehicle?
- How long was your blinker illuminated?
- How many feet apart were you and the other vehicle when you started changing lanes?
They may ask questions in various ways to try and see if your answers change. If you do not know an answer, do not guess. They may ask you to give an estimate, but it is better if you don’t. Again, every answer you give goes toward determining liability and can be used against you later.
Keep Answers General
It is essential to keep your answers to the opposing driver’s adjuster as general as possible. Give an account of the accident, but don’t go into every detail. The more specific you get, the more likely your account will be questioned at some point. If you give incorrect information, even accidentally, the adjuster may not give you a chance to correct yourself. Keep your injuries vague as well. You may not know the extent of your injuries yet, and only naming what is bothering you now may close the door on future claims.
Keep Detailed Notes
Try to note the questions asked, and even how many times each was posed. Note any information the adjuster provides about the investigation. It may provide insight into the way the adjuster is leaning on reaching a liability determination.
Remember that at any time in the process, you may want to speak to a car accident lawyer in Minneapolis, MN for assistance. An attorney may provide valuable insight and help with recovery.
Thanks to Johnston | Martineau, PLLP for their insight into personal injury claims and speaking with an adjuster after a car accident