What Do I Do if an Insurance Adjuster Calls Me?

What Do I Do if an Insurance Adjuster Calls Me?

Legal Info

If you’ve been involved in an accident and receive a call from an insurance adjuster, it’s crucial to handle the situation carefully to protect your rights. Insurance adjusters are trained professionals whose primary goal is to minimize the amount the insurance company pays out. Understanding how to navigate these conversations can make a significant difference in the outcome of your claim.

Understanding the Role of Insurance Adjusters

Insurance adjusters are employed by insurance companies to investigate claims and determine the company’s liability. While they may appear friendly and helpful, their primary responsibility is to protect the interests of the insurance company, not the claimant. This means they may use various tactics to reduce the amount the company has to pay, including attempting to obtain statements that could be used against you later.

Steps to Take When Contacted by an Insurance Adjuster

Gather the Adjuster’s Information

Before engaging in any conversation, politely request the adjuster’s full name, position, and the name of the insurance company they represent. Document this information and keep it with your accident records.

2. Limit the Information You Share

You are not obligated to provide detailed information during this initial call. It’s advisable to share only basic details such as your name, address, and contact information. Avoid discussing the specifics of the accident, your injuries, or any other details that could be used against you later.

3. Decline Recorded Statements

Adjusters may ask to record your conversation, claiming it’s for accuracy or to expedite the process. However, recorded statements can be used to undermine your claim. Politely decline any request to record the conversation without your attorney present.

4. Be Cautious of Quick Settlement Offers

If the adjuster offers a quick settlement, be wary. Early offers are often lowball amounts that don’t account for the full extent of your injuries or damages. Accepting such an offer may prevent you from seeking additional compensation later. Consult with a personal injury attorney before agreeing to any settlement.

5. Refer the Adjuster to Your Attorney

Inform the adjuster that you have legal representation and that all communications should go through your personal injury attorney. This step helps protect your rights and ensures that any discussions are handled professionally.

6. Document All Interactions

Keep detailed notes of all conversations with the adjuster, including dates, times, and the topics discussed. This documentation can be valuable if disputes arise later in the claims process.

Real-Life Success Stories

Many individuals have turned to Rutter Mills after facing frustrating and unfair treatment from insurance companies. In some cases, clients suffering from serious injuries were initially offered compensation that fell far short of covering their needs. Once Rutter Mills stepped in, our team took over communication with the insurance companies and worked tirelessly to secure fair settlements. When insurance providers pushed back or attempted to deny rightful claims, we didn’t back down—we fought and won in court, even overcoming multiple appeals. Time and again, our dedication has helped clients get the compensation they deserve and the justice they need to move forward with confidence.

The Importance of Legal Representation

Navigating interactions with insurance adjusters can be complex and stressful. An experienced personal injury attorney can guide you through the process, negotiate on your behalf, and help you secure the compensation you deserve. At Rutter Mills, we have decades of experience assisting clients in Virginia Beach, Norfolk, Newport News, Suffolk, Chesapeake, and Portsmouth. Our dedicated team is committed to protecting your rights and ensuring you receive fair treatment from insurance companies. We offer free consultations, and you pay no fees unless we win your case.

Contact Rutter Mills Today

If you’ve been contacted by an insurance adjuster after an accident, don’t navigate this process alone. Contact Rutter Mills today to speak with a trusted personal injury attorney who will advocate for your best interests. We offer free consultations, and you pay no fees unless we win your case.

Written by:

Brother Rutter

Manging Partner

A Harvard graduate and valedictorian of his class at the University of Richmond School of Law, Brother Rutter entered the legal profession with impressive credentials. However, it is his relentless tenacity and deep mastery of personal injury law that have earned him national recognition as a leader in the field. Beyond managing a highly successful law firm, Brother is also a respected guest lecturer, an influential thought leader, and a dedicated philanthropist.

“Every client who walks through our doors is facing one of the toughest moments of their life. It’s our job—not just as lawyers, but as advocates—to fight for them with everything we’ve got.”

Learn More About Brother

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