The Insurance Company is Calling, What Should I do?
When the insurance company adjuster starts calling after your car accident, resist their pressure to sign forms and settle your claim quickly. Take some time and educate yourself about the claims process. Some adjusters may take advantage of the fact that you have very little experience in this area. They may push you to sign papers, give a recorded statement, or even settle your case the same day of the crash. Get some information about the process. Take advantage of all the free resources available at my website.
So what should you do?
First, get the insurance company adjuster’s name, phone number, and the claim number. Write this down and keep it in a safe place. Politely tell the adjuster that you will call them back. However, if you are reading this after you have already given a recorded statement or signed paperwork, don’t worry, it might not wreck your case.
Second, immediately begin resisting their urgency to resolve your claim quickly. It is extremely important that you understand the claims process and get the medical treatment you need before negotiating with the insurance company.
Third, get the medical treatment you need. That may be going to the hospital, your family doctor, or chiropractor. Medical treatment is your first priority, because after all, there are no aftermarket parts for your body.
Fourth, after you get the medical treatment you need, then pay attention to your car. For example, if you car is not drivable, you will need a rental car. Additionally, you will need to find a repair shop. These items need to be coordinated with the insurance company before hand to make sure the process goes smoothly.
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