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How to Deal with Insurance Adjusters After a Car Crash

November 30, 2022 By John Torgenson

After a car accident, you will have to file an insurance claim if you want your damages to be covered by your insurance company. The first thing you will need to do is notify your insurance company that you have been in an accident and that you will be filing a claim. Then, you will need to gather all of the necessary documentation, such as a police report, medical bills, and any other documentation that supports your claim.

Once you have all of the documentation, you will need to fill out a claim form and submit it to your insurance company, or depending on fault, the other driver’s insurance company. The insurance company will then investigate your claim and determine whether or not they will cover your damages. If the insurance company denies your claim, you may have to file a lawsuit against them to get the compensation you deserve.

Questions to Ask the Insurance Adjuster After a Car Accident

After a car accident, you will likely have to deal with an insurance adjuster. The insurance adjuster’s job is to investigate the accident, determine who is at fault, and calculate the amount of money that should be paid to the victim.

However, no matter the demeanor of the representative, the insurance adjuster is not always your friend. The insurance adjuster works for the insurance company, not for you. It’s their job to ensure that the insurance company pays you as little money as possible. It’s important that you be prepared when you talk to the insurance adjuster.

Here are some questions that you should ask the insurance adjuster:

  • What is your name and contact information?
  • What is the name of the insurance company that you represent?
  • What is the policy number of the insurance policy that covers the car that hit me?
  • Have you reviewed the police report?
  • Have you talked to the other driver?
  • What is the other driver’s insurance information?
  • Have you reviewed my medical records?
  • Have you spoken to my doctor?
  • How much money do you think I should be paid for my medical bills?
  • How much money do you think I should be paid for my lost wages?
  • How much money do you think I should be paid for my pain and suffering?
  • What if I do not agree with the amount of money that you are offering?
  • Can I submit a written statement?
  • Can I have a copy of the insurance policy?
  • Can I have a copy of the accident report?

These are just some of the questions that you should ask the insurance adjuster. Remember, you are not obligated to accept the insurance adjuster’s first offer. If you do not agree with the insurance adjuster’s offer, you can negotiate.

What Should or Shouldn’t I Say to the Insurance Adjuster After a Car Accident?

When you are involved in a car accident, you will likely have to deal with an insurance adjuster. The insurance adjuster’s job is to investigate the accident and determine who is at fault. The adjuster will also determine how much the insurance company will pay for damages.

After the accident, you should not say anything to the insurance adjuster that could be used to determine who is at fault. You should also avoid saying anything that could be used to reduce the amount of damages the insurance company will pay. For example, you should not say that you are sorry or that the accident was your fault.

It is important to remember that the insurance adjuster is there to do a job. That job is to make sure the insurance company pays the least amount possible. The adjuster may try to get you to say things that will help the insurance company avoid paying damages. You must be careful about what you say to the adjuster, and you should avoid giving a statement until you have consulted with an attorney.

Should I Speak with an Insurance Adjuster After a Car Accident Without a Lawyer?

No, you are not required to speak with an insurance adjuster after a car accident. In fact, it is often in your best interest to refrain from speaking with the at-fault driver’s insurance company until you have consulted with a personal injury attorney. The reason for this is that insurance companies are in the business of making money and will often try to take advantage of accident victims who are not represented by a lawyer.

The insurance adjuster may try to get you to say things that could damage your personal injury claim. For example, the adjuster may try to get you to say that the accident was your fault or that your injuries are not as serious as you claim. Adjusters may also try to lowball you on the settlement offer. An experienced personal injury lawyer will know how to deal with insurance companies and will fight to get you the maximum compensation you deserve.

Why Call Torgenson?

At Torgenson Law, you are more than just another insurance case, you’re a victim that deserves the best legal representation. Our experienced attorneys are expert trial lawyers who will stand up and defend your rights in court, if necessary.

Our entire staff will work diligently to uncover every single detail of your accident that we need to know to build a persuasive case, and we are dedicated to helping you recover the maximum compensation for your pain and suffering.

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John Torgenson

After high school, John attended the University of Utah, graduating in 2001. John then attended his dream school, Notre Dame Law School, where he graduated, with honors, in 2004. John is licensed to fight in court for real people in the State of Arizona, the United States Federal District Court of Arizona, and the 9th Federal Circuit Court of Appeals.

Before establishing what is now Torgenson Law, John practiced in the litigation group at Fennemore Craig, the oldest law firm in Arizona, and one of the largest firms in the Southwest. Having practiced at Fennemore Craig in both the defense and plaintiff’s practice areas gives John a complete perspective of the litigation process, and valuable insight into how to efficiently and effectively advance his clients’ interests. His unique and balanced background enhances his credibility with defense lawyers, insurers, and defendants as well as with judges and arbitrators.