How To Deal With Insurance Adjusters After A Car Accident

If you’ve been in a car accident in St. Louis, one of the first things you’ll have to deal with is the insurance adjuster.

Whether you’re filing a claim with your insurance company or the other driver’s, the adjuster’s job is to assess the accident, determine liability, and decide on the settlement amount.

While they may seem helpful, it’s important to remember that their goal is to save the insurance company money—often at your expense.

Here’s how you can effectively handle insurance adjusters after a car accident.

1. Be Cautious with Initial Conversations

After the accident, the adjuster may contact you quickly, asking for details. Be careful what you say. Stick to the facts: time, location, and parties involved. Avoid discussing injuries or damage in detail right away, as some injuries might not be immediately apparent.

You are not required to give a recorded statement. Politely decline if asked, and tell them you’ll provide one later, after speaking with your attorney.

2. Don’t Rush to Settle

Adjusters may offer a quick settlement, especially if your injuries or damages seem minor. This offer may be tempting, but rushing to settle without knowing the full extent of your injuries or damages can lead to inadequate compensation. Medical costs and car repairs often rise after the initial assessment, so be sure to account for all current and future expenses before settling.

3. Consult an Attorney Before Signing Anything

The insurance adjuster may ask you to sign documents, including medical releases or settlement agreements. Never sign anything without consulting an attorney. Signing too early can limit your ability to seek further compensation if more damages or injuries arise later. An experienced car accident lawyer can help you evaluate whether the settlement offer is fair and in your best interest.

4. Document Everything

Keep detailed records of everything related to the accident. This includes medical treatments, car repairs, time missed from work, and communication with the insurance adjuster. These records will be essential in negotiating a fair settlement. It’s also helpful to have a written log of your symptoms and how they’ve impacted your daily life.

5. Understand Missouri’s Comparative Fault Laws

Missouri follows a comparative fault system, meaning your compensation can be reduced if you’re found partially at fault for the accident. Insurance adjusters may try to assign more blame to you to reduce their payout. Having an attorney on your side ensures that fault is properly assessed and your compensation is maximized.

6. Know Your Rights

Remember, you have the right to fair compensation for your injuries and damages. You’re not obligated to accept the first offer or follow the adjuster’s recommendations. An attorney can negotiate on your behalf and advocate for the full compensation you deserve.

Final Thoughts

Dealing with insurance adjusters after a car accident can be stressful, but you don’t have to face it alone.

At our St. Louis law firm, we’re here to guide you through the process, protect your rights, and ensure you receive fair compensation for your injuries and losses.

If you’ve been in an accident, reach out to us today for a free consultation.