After a car accident, especially one involving injuries to loved ones, you might feel overwhelmed. Insurance adjusters often contact victims quickly, but should you talk to them? The short answer is no, not without consulting an attorney first.
Adjusters work for the insurance company, not for you
An insurance adjuster’s job is to minimize the amount of money the company pays out for claims. Although they may appear friendly and helpful, their main objective is safeguarding their employer’s interests, not yours. It is essential to be cautious when speaking to them because:
- They may try to get you to admit fault, even partially, which could reduce your compensation.
- They might ask for a recorded statement, which they may use against you later.
- They may offer a quick settlement of far less than you deserve.
- They may try to access your medical records, which could invade your privacy.
In Ohio, as in many states, the law does not require you to give a statement to the other party’s insurance company. You only need to report the accident to your own insurer and cooperate with them as outlined in your policy.
If an adjuster contacts you, politely inform them that you are seeking legal counsel and will have your attorney reach out to them. This approach protects your rights and ensures you do not say anything that could jeopardize your claim.
Getting legal help matters
Filing a personal injury lawsuit may be the best option to obtain fair compensation in certain situations. This is particularly true if the insurance company refuses to offer a fair settlement, your injuries are severe or long-lasting, there are disputes about fault or liability or you have incurred significant financial losses due to the accident.
A successful personal injury claim often results in higher payouts than insurance settlements, which you will need to heal from your injuries. An attorney can help explain these laws and how they apply to your case.