Car accidents can leave you shaken and vulnerable, especially when it comes to dealing with insurance adjusters. These professionals play a crucial role in assessing claims, and how you navigate conversations with them can significantly impact the outcome of your case. Here are some key “do's” to help you communicate effectively and protect your interests:
1. Remain Calm, Composed, and Respectful
Emotions can run high after an accident, but maintaining a calm demeanor during conversations with the adjuster is crucial. Remember, being collected allows you to present your case more effectively. Always be respectful because this is the person who is going to be making decisions on the value of your claim. It is in your best interest to be respectful throughout the process, even when you disagree with them.
2. Stick to the Facts
When recounting the accident, stick to the facts. Provide a clear, concise, and factual account without adding unnecessary details or speculation. Presenting a straightforward narrative strengthens your case.
3. Document Your Injuries
Clearly communicate the nature and extent of your injuries. Be specific about the medical treatments you've received, providing a comprehensive overview of your health status post-accident. Be prepared to explain not only what treatment you have had but also what treatment you anticipate getting in the future. On a similar note, avoid downplaying the amount of pain you are experiencing. For example, some people who do not want to come across as a complainer may make a statement like “I’m fine” or “it is no big deal”. Be careful making statements like this early on. It is important that you communicate clearly and accurately about your condition.
4. Communicate Well
Effective communication extends beyond verbal exchanges. Respond promptly to emails and answer phone calls. Being willing to provide the information the adjuster needs demonstrates your cooperation and can positively influence their assessment. There is a temptation at times to avoid mail or not open letters they send you. If you fail to communicate well it could lead to your claim being delayed or the insurance company may close your claim entirely if you do not respond. Provide information when requested and communicate well to ensure your claim moves toward a conclusion.
5. Ask Questions
Seek clarification on any aspects of the claims process or the adjuster's requests that you find unclear. Understanding the process is essential for making informed decisions about your case.
- Organize Your Information: Keep all relevant documents, such as medical records, repair estimates, and correspondence with the insurance company, organized and easily accessible. This ensures you can provide the requested information promptly.
- Be Consistent: Maintain consistency in your statements and responses. Any discrepancies may raise questions about the credibility of your account.
- Consult with an Attorney: Before engaging in significant discussions with the adjuster, consult with an experienced New Mexico personal injury attorney. They can provide guidance on the best approach and ensure your rights are protected.
An Experienced New Mexico Car Accident Attorney Will Help You Get What You Deserve
Effectively navigating conversations with insurance adjusters requires a combination of composure, factual accuracy, and proactive communication. By adhering to these do's and incorporating the additional tips, you empower yourself to handle the post-accident process with confidence. Remember, seeking professional legal advice can further strengthen your position and ensure a fair resolution to your case.
Our dedicated personal injury team here at The Injury and Disability Law Center is here to help you. Schedule your free initial consultation today by calling our office at 575-300-4000, starting a chat, or filling out our online form.
If you want even more information, feel free to download my free book, Car Accident Cases Made Simple(r), where I discuss this topic and more.