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Working with an Insurance Claims Adjuster After a Car Crash

Posted on behalf of Stephens, Anderson & Cummings on Jan 09, 2017 in Insurance Lawyers

form for insuranceIf you were injured in a car accident, you should report it to your insurance company as soon as possible.

Your insurer will assign an insurance adjuster to your claim. This person will ask you for information on all parties involved, the damaged property and any injuries. You should provide copies of photos of the scene of the accident, the police report and witness contact information.

However, beyond providing those pieces of information, you should be careful what you say to the insurance adjuster. Although they may seem nice, their first priority is saving money for the insurance company.  

That is why you should strongly consider contacting our Texas car crash lawyers. At Stephens, Anderson & Cummings, our number one priority is to help you obtain the compensation you deserve after an accident.

Our experienced attorneys can instruct you on how to deal with an insurance adjuster in a way that protects your rights and helps ensure you receive all of the compensation you deserve.

Founding partner Jason Stephens is on the Board of Directors for the Texas Trial Lawyers Association. He has also been named a Texas Super Lawyer® by Thomson Reuters Service since 2004.  

What not to Say to Insurance Adjusters

There are several reasons why you need to be careful when talking to insurance adjusters after an accident:

  • Adjusters have no legal obligation to you.
  • An adjuster's job is to minimize your claim.
  • Adjusters will take what you say and use it against you.
  • Protecting your rights is not part of their job.

With those things in mind, here are some tips for protecting your rights when speaking to insurance adjusters:

  • Avoid recorded conversations - If the adjuster asks you about recording any conversations, politely decline. Any recorded statements could be used against you in the future and lower the value of your claim.
  • Do not minimize your injuries - There is a tendency to downplay the severity of your injuries. However, this could hurt your chances of recovering all of the compensation you deserve.
  • Do not provide a written statement without consulting an attorney - An experienced attorney knows what the insurance adjuster will ask and he or she can prepare you for questioning.
  • Remember that you can refuse to answer - If an adjuster from the other driver's insurance company calls you, you are within your rights to refuse to answer.

Filing a Car Accident Lawsuit

Another option for obtaining compensation after a car accident is filing a personal injury lawsuit against the other driver. Texas is a fault state, which means victims of car accidents are free to file personal injury lawsuits.

However, the Texas statute of limitations for car accident claims is two years from the date of the accident. This means that if you do not file a lawsuit within two years, you lose the right to file a lawsuit.

Our car accident lawyers can carefully review your claim to determine if it makes sense to file a lawsuit. Founding partner Jason Stephens obtained the eighth-largest motor vehicle verdict in the state in 2012.

Contact us today by calling (877) 920-9009 or completing our Free Case Evaluation form.