What To Say To An Insurance Adjuster After An Accident
If you’ve suffered injuries in a Kentucky car accident because of another party’s negligence, you can expect that an insurance adjuster from the at-fault party’s insurance company will call you. Often, insurance adjusters call injured victims immediately or soon after an accident. It is crucial that you understand what to say to an insurance adjuster after an accident and what not to say. Ideally, by the time the insurance company contacts you, you’ll have hired a car accident attorney to represent you. When an insurance adjuster from the negligent party’s insurance company calls, you can refer them to your attorney as you are not legally obligated to speak to them.
If an insurance claims adjuster from the at-fault party’s insurance company calls before you’ve hired an attorney and you insist on speaking to them, it is vital that you proceed with caution. Below are some of the things to say when an insurance adjuster from the at-fault party’s insurance company calls you:
Ask the Adjuster To Identify Themselves
You have the right to know who you are speaking with, so ensure you ask the insurance claims adjuster to identify themselves before you start the conversation. Ask for the claims adjuster’s full name, phone number, email address, and the name of the insurance company they work for, and note down this information.
Inform the Insurance Adjuster That You Intend To Limit Communication
An insurance adjuster might call you only a few times, or they may call you continuously. Often, insurance adjusters call accident victims continuously in the hope that they’ll manage to obtain information from them over time. You have the right to tell an insurance adjuster that you do not wish them to contact you continuously. However, do this politely.
Mention That You Do Not Wish To Give a Recorded Statement
If an insurance claims adjuster from the negligent party’s insurance company calls and asks if they can record your phone conversation, politely but firmly decline. You are not legally obligated to give a recorded statement. And an insurance adjuster cannot record you without your permission.
You should not give a recorded statement because you may tense up if you know you are being recorded and may, for instance, describe things incompletely or forget important details. A recording where you gave incomplete information or did not provide crucial information can work against you and result in the insurance company denying or devaluing your claim.
Mention That You Will Retain a Car Accident Attorney
The best way to be safe when speaking to an insurance adjuster from the at-fault party’s insurance company is to tell them you plan to hire an attorney. After you hire an attorney, the insurance company should direct all communication to your attorney.
Contact Us for Legal Help
If you’ve suffered injuries in a Kentucky car accident because of another party’s negligence, the best way to protect your right to fair compensation is to hire an experienced car accident attorney. Our London auto accident attorneys at Cessna & George Law Firm can help you minimize the risk of undermining your claim. Contact us today to schedule a free consultation.