Before going into some of the things you need to watch out for when working with the insurance adjuster, keep in mind that some claims are settled fairly, with little hassle. On the other hand, when serious injuries are involved or if fault in the accident is being disputed, you need to proceed cautiously.
Here are five tips from the Harrisonville, MO auto accident lawyers at Kansas City Accident Injury Attorneys that may help you when you are dealing with the insurance adjuster:
1. The adjuster is not your friend. The adjuster may seem friendly; he may ask about your children, spouse or even your dog, but he or she is working for the insurance company. His job is to protect the insurance company's bottom line, not yours.
2. Settling quickly may not be a good thing. If you have big medical bills coming in, you may be feeling pressure to get them paid. However, settling too fast can leave you deeper in debt. Insurance companies know that their obligation ends once you settle. If there is a chance that your injury will worsen or that you will have of on-going medical expenses, it is to the insurance company's advantage to settle early before you have an idea of the real extent of your medical costs.
3. Never agree to a recorded statement. Recorded statements are often used by insurance companies in order to "fish" for statements that can be used to reduce your claim. You may think you have nothing to hide, but even a simple "I'm doing fine" can be used to minimize your injuries. Learn more in our article, "Should I Give A Recorded Statement To The Automobile Insurance Company?"
4. Get a second opinion. The insurance agent may imply that it is a waste of your time and money to contact an attorney. But, did you know injury victims who hire an attorney receive significantly higher insurance settlements? Why not schedule a free consultation with a Missouri personal injury lawyer and find out what your claim is really worth?
5. Never sign a paper until you've discussed it with your attorney. You don't want to give up any of your rights. Did you know that even a simple form like a medical release form can be used against you? Learn more in our article, "Should I Sign a Medical Release Form After My Missouri Car Accident?"
Have You Been Injured In A Kansas City Area Car Accident?
If you've been injured in a car accident you need to speak with an experienced car accident lawyer as soon as possible. Contact us online or call our Kansas City office directly at 816.471.5111 to schedule your free consultation.