Car accidents are always stressful, and dealing with insurance companies after the event can add another layer of complexity. Understanding how to interact with an insurance adjuster can make a big difference in the outcome of your claim. Here at GB Legal, we want to empower California drivers with the knowledge they need to navigate this process.
Keep in mind, the adjuster works for the insurance company, not you. Their primary goal is to minimize payment. Be polite, but keep your answers factual and avoid admitting fault. Stick to the basic details of the accident: date, location, and parties involved.
Do not make recorded statements. Insurance companies could ask you for a recorded statement in an attempt to trip you up. You have the right to refuse or postpone it until you have spoken to an attorney. An attorney can guide you through the deposition process and ensure your words are accurately reflected.
Gather evidence. Take photos of the damage to your car, the accident scene, and any visible injuries. Gather the contact information for witnesses and get a copy of the police report. This documentation strengthens your claim.
Don’t rush into repairs or settlements. Wait for a proper medical evaluation before settling any medical claim. The full extent of your injuries may not be immediately apparent. Similarly, get an estimate from a reputable shop before accepting a repair offer.
Know your rights. The driver who caused the accident is the one financially responsible for the damages. If you are unsure who is at fault or the other driver’s insurance is insufficient, you may have to file a claim under your own policy.
Consider seeking legal advice. An expert personal injury attorney can advocate for your best interests, deal with the adjuster on your behalf, and make sure you’re receiving fair compensation for your medical bills, lost wages, and emotional pain.
At GB Legal, we understand the physical and emotional impact of a car accident. Let us help you navigate the legal process and recover the compensation you deserve. Contact us today!
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