When you file a claim with the other driver’s insurance company about your accident and injury, they will assign an insurance adjuster to your claim. The insurance adjuster will investigate and try to settle the claim with you. However, there are some critical facts you need to know before settling:
Included in what your adjuster may not tell you is that the first offer they give you is the lowest one. You are hurting and vulnerable, and they know that your judgment is not the best after an accident. Remember that they are working for the insurance company’s best interests.
When you turn down the first offer, the adjuster and insurance company will probably ignore you, hoping that enough time will pass that you cannot sue them. The New Jersey statute of limitations for suing about a car accident claim is two years.
The claims adjuster might suggest that you are exaggerating your injuries. Keep copies of all medical visits and medical bills to prove your injuries are legitimate.
When you speak to an insurance claims adjuster, understand that they record your answers and can use them against you in the claim process. Remember: they are not on your side.
In an effort to get you to settle the claim quickly and at the lowest amount, the insurance claims adjuster might not tell you that you:
When you need honest answers to your questions regarding your liability and rights after an accident, use the information on this website to contact an experienced personal injury lawyer. What your adjuster may not tell you is that you can get an attorney for legal help at any time after the accident and during the claims process.
At Simon, Sarver, Swetz & Jachts, we know insurance companies’ tactics to minimize their payout to you. It’s reasonable to ask for total compensation for your medical bills, doctor’s appointments, loss of income, loss of automobile, and any other outcome from the auto accident that impacts your daily life.
Anything you tell your lawyer will constitute an attorney-client relationship and is private information they will not share unless it affects the positive outcome of your claims case. Contact Simon, Sarver, Swetz & Jachts at (973) 834-7252 to schedule a free consultation.
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