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In the hours after a roof injury or other accident that results in injuries, your phone might ring. The caller could be an insurance adjuster or another representative from the other party. Let's look at what to say and what to avoid when talking to an insurance adjuster or another representative after an accident. This is especially important if the roof damage or accident was caused by that party. For insurance claims, you can also contact adobe casitas yuma, az.
Keep calm and be courteous.
Even if your anger about the accident and your injuries is still present, venting your frustrations to the insurance adjuster won't help you get a fair personal injury settlement. It's impossible to predict when or how quickly an insurance adjuster will be able to help you.
Identify the person with whom you'll be speaking
Before you talk about anything, get the name, address, and phone number of the person that you are speaking to.
Provide only the most basic personal information.
The insurance adjuster will only need your full name, address, phone number, and birth date. You can also describe what you do for work and where you work. You don't have to tell them anything about your job, salary, or timetable.
Do not give any information about the accident.
Insurance adjusters and other representatives might try to get you "to give a statement" about the accident. They may also try to convince you to talk to them about the accident. You should not reveal more than the most essential details: the location, time, type of accident, and identities of witnesses. You will almost certainly send a personal injury request letter in the future, which will detail the accident.
Don't give any details about your injuries.
Insurance adjusters will need to know about the extent and nature of your injuries. Do not go into too many details right now. It is possible to forget something or find an injury later. Or, your injury may be more severe than you thought. You can communicate with an adjuster by simply stating that you are "still treatment" and leaving it at that. Find out how your medical treatment can affect the value of your personal injuries case.
Make a list.
Once your call is over, take down all information and any requests you made to the other person.
Refrain from the urge to rush.
Sometimes, insurance adjusters will offer a settlement in just one to two phone calls. These quick settlements save time and money for the insurance company. They allow you to settle quickly before you can fully assess your injuries and determine the value of your personal injury case. Do not fall for the trap. Although it may sound like a quick way to get compensation without going through the claims process, the money will most likely end up costing you a lot.
Limit the number of conversations
It is important to make it clear that you won't be speaking much with an insurance adjuster by the beginning. As stated above, you shouldn't only give very little information on the first call but also establish clear boundaries for subsequent calls.
There are many reasons why you should keep your calls to insurance adjusters low. They will often call you in an effort to settle the matter quickly and can be quite annoying. It is better to address this issue now than later.