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What are some Insurance Company Warnings?

If you have been in an auto accident, you are most likely going to hear from an adjuster soon. This adjuster could be calling you on behalf of your own insurance company, or on behalf of the other party’s insurance company to get details about the accident and to offer you a deal. One thing to know about adjusters is that they are not on your side, even if they are representing your insurance company.

Talking to an adjuster without proper legal counsel is not advised. The adjuster would want to talk to you and get a recorded statement from you. However, you must refuse to give them a recorded statement and tell them that you would like to speak with your attorney first. If the adjuster gives you an offer right away, it may sound tempting, but you must refuse it. The adjuster will claim that the offer they are making will pay for all your damages and all your medical bills, but you should never fall for that offer without talking to an attorney first.

If you do not have proper legal counsel, you should never try and settle the case yourself. Never take an offer from the adjuster without speaking with an attorney first as you may be selling yourself short. In all such cases, the adjusters job is to stall you and win the case. The offer made by the adjuster is usually very low as compared to the actual compensation you should be receiving. By hiring an experienced personal injury lawyer, you can be sure to receive a fair settlement which covers all your expenses and losses, including medical bills, lost wages, and so on.


What is Policy Inclusion?

One thing to understand about insurance claims is that the insurance company may refuse to pay you if the harm was intentional. For example, if you were texting at the time of the accident, listening to the radio, or were talking on your phone, the insurance company will consider it as your fault and may refuse to cover your losses and damages. Similarly, if you ran a red light, were driving recklessly, or were speeding, the adjuster may try and get you to admit to your mistakes and say things like ‘Yes I was Speeding,’ or ‘I was texting my friend.’ Even if you are vague in giving a statement, saying ‘I wasn’t sure,’ it can be used against you by the insurance company.

The investigators and defense attorneys will try and look for every possible way to reduce the compensation they have to pay you in the end. The other person’s insurance company and investigator will try and collect evidence which will make you look like the one at fault, even if the other party was at fault. They will take photos of both the accident scene and the damage done to the vehicles to document everything. You need to have your investigator and lawyer present to document everything as well. Contact a personal injury attorney immediately if you have been in an auto accident.

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