January 17, 2024 | Reading Time: 6 min Dealing with insurance adjusters can often be a challenging part of the post-accident process. When you are already overwhelmed with physical injuries, emotional stress, and financial concerns, an aggressive insurance adjuster can add to your burden. Understanding how to navigate these situations effectively can help avoid any negative impacts to the compensation you may receive for your damages. If you choose to seek counsel, they can act as your representative to your insurance adjuster from the very beginning.
Keep Detailed Records
Document everything related to your accident, from medical records and bills to repair estimates and witness statements. Having a comprehensive paper trail makes it more difficult for an adjuster to dismiss your claims.
It’s not uncommon for aggressive insurance adjusters to question the severity of your damages or injuries; being armed with detailed documentation can counter their assertions. This includes dates of medical appointments and personal records of your pain and anything you have to endure as a result of your injuries.
Understand Your Policy
Before you engage with the insurance adjuster, make sure you fully understand the details of your policy. Knowing what is covered and what is not gives you a ground to stand on when discussing your claim.
If an adjuster is pressuring you to accept a settlement that doesn’t align with your policy’s coverage or what you believe to be fair compensation for the damages you’ve sustained, you’ll be better equipped to explain why the offer is inadequate knowing the total coverage available.
Remain Calm and Professional
Insurance adjusters are trained to negotiate and may use tactics to unnerve you, hoping you’ll settle for less. It’s imperative to keep a level head. Staying calm and professional, even when the adjuster is being aggressive, prevents you from saying anything that might undermine your claim.
If you feel the conversation is no longer productive, don’t hesitate to take a break and resume the discussion at another time.
Don’t Give Recorded Statements Without Preparation
Aggressive insurance adjusters may push you for a recorded statement early on in the claims process. However, giving a statement before you understand the full extent of your injuries or damages could potentially hurt your claim.
Consult with a personal injury attorney before providing any statements to the insurance company. If you do give a recorded statement, be truthful but concise – avoid elaborating on details that could be taken out of context.
Understand the Delay, Deny, Defend Strategy
Many insurance companies employ the delay, deny, defend strategy. They may delay handling your claim, deny your claim without a valid reason, or defend their position in lengthy litigation to wear you down.
Recognize these tactics for what they are. Persistence is key, and with expert legal advice, you can counteract these strategies.
Know the Value of Your Claim
Research or consult with a personal injury attorney to understand the value of your claim. Insurance adjusters might try to convince you that your claim is worth less than it is. Knowing the value of your damages ensures that you can negotiate from a place of strength and be less susceptible to lowball offers.
Communicate in Writing
Whenever possible, try to see that the insurance adjuster communicates with you in writing. This will create a record of all exchanges and statements, which can be crucial if the claim escalates to legal action. An aggressive adjuster might make promises or statements verbally but deny them later; having written correspondence helps keep them accountable.
Do Not Accept the First Offer
Insurance adjusters often start negotiations with a low offer, expecting you to negotiate for more. Do not feel pressured to accept the first offer, especially if it doesn’t cover all of your damages. Politely decline and provide evidence supporting your claim’s value if the offer is too low. Likewise, do not feel obligated to make the first offer, if you are still treating and cannot yet be sure of the extent of your damages.
It’s Okay to Say No
Know that it’s okay to say no to the adjuster’s requests. They may ask you to provide a recorded statement at the beginning of your claim, or ask permission to access your full medical history. You have the right to decline these requests to protect your privacy and your claim.
Seek Professional Help
Consider consulting a personal injury attorney. While the choice may seem obvious if an insurance adjuster’s aggressiveness is causing unnecessary stress or seems to be leading to an unfair settlement, you should consider this option either way; even the most pleasant of adjusters may try to settle your claims for minimal expense to their employers (and inadequate compensation to you). Legal professionals have experience dealing with insurance companies and can negotiate on your behalf effectively.
What to Do When Aggressive Adjusters Don’t Back Down
If you’re facing an aggressive insurance adjuster who is not budging despite your best efforts to manage the situation effectively, it may be time to escalate the matter. Cellino Law specializes in personal injury claims and understands the tactics aggressive insurance adjusters use to intimidate injury victims. Our team of legal experts can step in to ensure that your rights are protected and you receive the compensation you deserve.
Remember, you don’t have to handle aggressive insurance adjusters on your own. Cellino Law has the knowledge and experience to guide you through the complexities of your insurance claim. We will advocate on your behalf to secure the best possible outcome. If you’re tired of fighting with insurance adjusters and getting nowhere, don’t hesitate to reach out.
Contact Cellino Law
Negotiating with insurance adjusters, especially aggressive ones, is not a process you should go through without professional guidance. The team of attorneys at Cellino Law is ready to provide you with the legal advice and representation you need during these challenging times.
We are committed to serving our clients with integrity, compassion, and tenacity. Contact Cellino Law at (888)-888-8888 to schedule a free consultation and take the first step in ensuring that your rights are fully upheld and that your compensation is just.
Content checked by the personal injury attorney Ross Cellino. As a family man and a trial attorney, I pride myself on winning cases and serving the community. With over 35 years of experience, I understand the function of a jury, how juries arrive at conclusions, and the role that the jury plays in administering justice. I know how to win cases. You can find us in Manhattan, Buffalo, Melville, Rochester, Brooklyn, The Bronx, Queens and other locations throughout New York.