Dealing with Coverage Adjusters: Do's and Don'ts

An insurance adjuster reviewing documents with a client after a car accident, showcasing a professional and calm interaction

After an accident, interacting with Coverage adjusters is a crucial step in the claims process. Knowing how to handle these interactions can significantly impact the outcome of your claim. Here are some essential do's and don'ts to keep in mind when dealing with coverage adjusters.

Do's:

  1. Be polite and cooperative: Maintain a professional demeanor throughout your interactions. This can help facilitate a smoother claims process.
  2. Keep detailed records: Document all conversations with the adjuster, including dates, times, and key points discussed.
  3. Provide factual information: Stick to the facts about the accident and your injuries. Avoid speculation or admitting fault.
  4. Ask for clarification: If you don't understand something, don't hesitate to ask for an explanation. It's important to be fully informed.
  5. Review all documents carefully: Before signing anything, read it thoroughly and consider having a legal professional review it.

Don'ts:

  • Don't give a recorded declarationment: You're not obligated to provide one, and it could potentially be used against you later.
  • Don't accept the first offer: Initial settlement offers are often lower than what you may be entitled to. It's okay to negotiate.
  • Don't sign medical authorizations: The adjuster may request broad access to your medical history. Consult with a lawyer before signing such documents.
  • Don't discuss your injuries in detail: Stick to basic facts. Detailed discussions about injuries should be between you and your doctor.
  • Don't rush the process: Take the time to fully understand your injuries and damages before settling your claim.
A person carefully reviewing insurance claim documents, emphasizing the importance of attention to detail in the claims process

Remember:

Coverage adjusters work for the coverage company, not for you. While many are professional and fair, their primary goal is to settle claims quickly and economically for their employer. It's crucial to protect your interests throughout the process.

If you feel overwhelmed or unsure about handling interactions with an coverage adjuster, consider consulting with a legal professional who specializes in coverage claims. They can provide guidance and ensure that your rights are protected throughout the claims process.

At DriveSure, we're committed to helping insured drivers navigate the complexities of post-accident procedures. By following these guidelines, you can better protect your interests while cooperating with the coverage claims process.