How to handle an insurance claims adjuster after a car accident

On Behalf of | Jun 21, 2019 | Personal Injury |

The aftermath of a car accident can be confusing enough without representatives from car insurance companies calling you about your case. Unfortunately, you could receive phone calls from insurance claims adjusters as soon as the day of your auto accident in Goldsboro.

The at-fault driver’s insurance company is not on your side during settlement negotiations. The adjuster wants to save the insurer money. Be careful when speaking to adjusters, as saying the wrong thing could hurt your chances of financial recovery after a car accident.

Do not admit fault

First, do not say you were at fault for the auto accident during phone calls with claims adjusters. It will be the adjuster’s job to investigate your claim. Wait for an investigation to identify who or what caused your crash. Admitting fault to the police or to insurance companies could bar you from recovery under North Carolina’s strict contributory negligence law.

Decline to give a recorded statement

No law requires you to agree to give a recorded statement to an insurance claims adjuster. If asked, politely decline. If you do give a recorded statement, the insurance company could use what you say against you later.

Wait to accept a settlement

You could suffer a wide range of serious personal injuries in an auto accident in Goldsboro. Your injuries and damages could amount to thousands of dollars in damages. Most insurance companies offer low initial settlements to see if the claimant understands the true value of the case. Do not say yes to a first or even a “final” offer. Wait until you have spoken to an attorney.

Hire a lawyer

If your car accident case involves serious injuries, wrongful death or broken laws in North Carolina, a lawyer could help you fight for fair and full compensation. During the insurance settlement process, your lawyer can take over negotiations and make sure the insurance company does not take advantage of you.