After an accident, you will meet up with two people who will have a significant impact on the aftermath of the accident. Trusting the wrong person will have a long-term effect on your life. Those two people are a lawyer and an insurance adjuster.
So, who do you choose as your champion? If you chose the lawyer, congratulations, you just recovered all your losses. However, if you chose the insurance adjuster, you just made your life worse.
Insurance companies are notorious for lowballing accident victims. The only person you should trust following an accident is your lawyer. Your lawyer will strive to protect your rights and obtain fair compensation for you. Click here to learn how a lawyer will help you acquire just compensation for your losses.
Now there are plenty of reasons why someone, especially an accident victim, shouldn’t trust the insurance company or someone representing them. But some reasons are more important than others. This article lists five of the main reasons why a victim of an accident shouldn’t trust an insurance adjuster.
5 Reasons Not to Trust an Insurance Adjuster
Insurance companies advertise themselves as some sort of savior who will help people in need. In reality, they are anything but helpful. They will delay and deny your claim for silly reasons because they want to make a profit. Following are five reasons why you should never trust an adjuster:
- They work for the insurance company’s best interest
- They are trained to lowball the victims
- They are known for offering low settlements
- They will use anything you say against you
- They will not be honest about your case’s true value
We’ll discuss each of these five reasons in detail.
They Work for the Insurance Company’s Best Interest
Remember one thing, their loyalty is to the insurance company. The insurance adjuster gets paid by the company. So, of course, they will work in the insurance company’s best interest only. Insurance adjusters will act like they are working with you to get just compensation for you. In reality, they are just trying to find reasons to reject your claim.
Insurance companies have profit margins to meet. They cannot do this if they start giving out fair compensation to accident victims. They’ll try to pull every trick in the book to make sure that you don’t get the compensation you deserve.
They Are Trained to Lowball Victims
Their job role is to reduce or reject accident victims’ claims. If an agency posts a job opening for an adjuster on LinkedIn, they might add “To reduce or reject claims” in the roles and responsibilities section. Insurance companies will provide training on how to lowball the victims. You won’t even notice that they are trying to cheat you.
The fact that insurance companies are for-profit organizations is the reason why this happens. If they started giving out deserving compensations to victims, they’d go bankrupt. The head honcho will train their employees to use honeyed words until an individual signs the policy agreement. But when the need arises, the language of the insurance adjuster changes into an accusatory one.
They Are Known For Offering Low Settlements
Adjusters make low settlement offers as part of their plan to lowball victims. The plan is to offer a low settlement immediately after the accident so that you will accept it without knowing the full extent of your injuries and other losses. It would help if you never accepted a settlement offer without consulting with a lawyer.
The time period immediately after an accident is usually when insurance adjusters pounce on the accident victims. The adjuster knows that the victim is physically and emotionally vulnerable and that they are facing financial difficulties. Insurance adjusters will use this to their advantage and talk in a convincing manner. They’ll try to talk the victim into accepting an insultingly low value and justify it by saying that it’s all they deserve.
They Will Use Anything You Say Against You
Insurance adjusters will come to you before you go to a lawyer. They will act like your friend and advise you not to speak with a lawyer. And then, they will continue speaking with you and try to manipulate you into accepting responsibility for the accident. They can and will use it as an admission of guilt in court to reject your claim.
Having a conversation with an insurance adjuster is like talking with the devil himself. Even something as minor as an apology will be taken as an admission of guilt and grounds for rejecting your claim.
They Will Not Be Honest About Your Case’s True Value
Insurance adjusters have no intention of being honest with accident victims. Calculating losses in a personal injury case requires expertise, which both a lawyer and an insurance adjuster possess. But you don’t. Since you don’t know how to calculate, the adjuster will try to make you believe that what they are saying is the true value of your case. Do not trust them.
Remember that they work for a for-profit organization. This will be reflected in the way they calculate your losses. Most companies use a one-size-fits-all method when evaluating losses. This method is horrible and highly inaccurate, given how two accidents aren’t the same and how injuries differ.
Also, most coverage companies squirm at the thought of non-economic damages. This is because, non-economic damages cannot be easily calculated, and the effects they have vary from person to person.
If you feel confused about what this blog post is trying to convey, here is a short and clear version: do not trust insurance adjusters. Hire a lawyer and let them deal with the adjuster.
An experienced lawyer would have come across hundreds, if not thousands, of insurance adjusters in their career. They’re well aware of all the tricks insurance companies and insurance adjusters have up their sleeves. This makes a lawyer the perfect counter to companies.
In addition to negotiating with adjusters, your lawyer will also help calculate the damages and losses you have suffered. This means that you’ll be getting fair compensation for all your losses, not some paltry amount estimated by an insurance adjuster.