What Do I Do If An Insurance Adjuster Calls Me? | Swor & Gatto (2024)

FAQs

What Do I Do If An Insurance Adjuster Calls Me? | Swor & Gatto? ›

If an insurance adjuster calls you after the accident, contact a member of the Swor & Gatto team. We can go over your case and protect you from being taken advantage of by an insurance adjuster.

The adjuster may be calling to exchange information, give you a contact for making your claims, advise you about how to make a claim for your vehicle loss, or other reasons.

When describing an accident to an insurance adjuster, do not say anything beyond what you experienced directly. You do not want to speculate about what happened because you could accidentally blame yourself. The insurance company could then have a good excuse to reduce your compensation.

If you disagree with the insurance adjuster, it's crucial to gather supporting documents and consider consulting a car accident lawyer to help you navigate the claims process and ensure you receive the fair settlement you deserve.

The insurance adjuster wants to meet with you to reduce the value of your claim. The adjuster is not there to write you a big check for what your case is truly worth. The insurance company wants to pay you as little as possible as quickly as possible.

As a rule of thumb, stick to the facts. You should never lie when filing or discussing a claim with any insurer, as doing so may compromise your claim and lead to serious legal trouble down the line. However, you should also protect your interests by only providing the information you are required to by law.

Unfortunately, accidents can attract scammers and fraudsters looking to take advantage of vulnerable individuals. These callers may pose as representatives from insurance companies, medical offices, or legal firms. They may request personal information, claim settlement fees, or upfront payments.

Your insurance policy likely has an arbitration provision, meaning that when you and your adjustor cannot agree, a third party will be assigned to hear you out and recommend a settlement.

You may provide the most basic details such as your name and contact info, the location and date of the crash, and what car you were driving. Other than that, politely decline to give more details. You have the right to refuse to answer the adjuster's questions or to consult with a car accident lawyer first.

Avoid admitting fault or underestimating damages as this might lead to lower compensation or even denial of your claim. Honesty is crucial when dealing with an insurance adjuster, so avoid providing false information which can lead to serious consequences like claim denial or legal repercussions.

What to do when insurance company lowballs? ›

Once you begin to defend yourself against an insurance company they may fire back with scare tactics. They might claim that you're inflating the costs of your medical expenses and committing fraud. They may threaten to get your driver's license taken away.

Insurance adjusters want to settle a case as soon as possible, and that is why they want to talk to you immediately after the accident. If the insurance adjuster can offer you a settlement in the very beginning, they will save themselves a significant amount of money.

If an insurance investigator wants to speak with you about your claim, it does not necessarily mean you are being investigated for fraud. There are several reasons why an investigator may want to discuss your claim: Routine Procedure: Insurance companies often conduct routine checks to verify the details of claims.

An insurance adjuster is a representative from the at-fault party's insurance carrier. After you file a claim, the adjuster will contact you about the accident. They are looking for facts about the case to determine whether you are entitled to a settlement and for what amount.

From time to time, we may telephone you to follow-up on calls that you have made to our offices, to service your existing policies, to assist with claims that you have filed or that have been filed against you, to complete surveys designed to enhance our offerings, and to discuss specific coverage, billing, or account ...

These calls will start just days after the accident and will likely continue on a regular basis. The reason that the insurance company is calling you after your accident is that their goal is to give you the least amount of money possible.

Why are insurance adjusters recording the calls? The goal of an insurance adjusters' job is to prove that the accident happened and is not fraudulent. By recording the call, they are weeding through fraudulent claims.