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What to Know About Talking to Claims Adjusters


Car accidents in the Baltimore area range in severity, some are minor but others are serious. What almost all auto collisions have in common is the need to communicate with an insurance claims adjuster after the wreck. People who have navigated these types of conversations know they can be stress inducing and take a lot of time, particularly if a claims adjuster is requesting documentation you do not have.

If you need to discuss your situation with a claims adjuster, consider connecting with a Baltimore personal injury lawyer first. An attorney will know what you need, from medical records to vehicle repair assessments. After strengthening your claim, your lawyer can negotiate with insurance companies on your behalf so you can focus on your own life and healing from any injuries as a result of the crash.

It Pays to be Prepared

Before discussing the details of an accident with an insurance claims adjuster, get all of the documentation and details of the event organized. Delays are possible when an insurance company does not have the information it needs to process and payout a claim. Plus, emotions are high when individuals are injured, it can be difficult to remember that insurance adjusters are doing their job. Your job is to protect your financial future.

Being clear and honest is helpful, but you do not want to share information that could put your claim at risk of being denied. For example, if a claims adjuster pushes you to admit responsibility, do not do so simply because you want to get off the phone or feel you want to be nice. Stick to honest facts and support your own need for a full and fair settlement.

As soon as you connect with a lawyer they can determine exactly what you need to move forward. So if your car is damaged, you may need to go to an auto repair professional to have that damage assessed. Then, the estimate can be used as documentation of the need for a settlement. It is important to understand the insurance company may also pursue their own investigation. A negotiation process could follow.

Negotiating a Low Ball Offer Higher

An experienced Baltimore personal injury lawyer knows when an offer is too low. They will present an offer based on their own investigation. A counter offer from the insurance will likely follow. The negotiation process relies on understanding your rights and keeping a cool head. Your lawyer can handle all of the details for you, securing the settlement amount you are entitled to.

Are you unsure how to talk to an insurance claims adjuster following a car crash or other injurious event in the Baltimore or DC area? If you have high medical expenses, connect with a skilled attorney who can navigate complex claims. Have an experienced attorney work for you. Reach out to the legal team at Iamele & Iamele, LLP. With years of personal injury claim knowledge, our attorneys can help. Contact us today for a free initial consultation.


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