An important step in the insurance claim process is speaking with the insurance adjuster. This interview can determine whether or not you receive fair compensation for your loss and injuries. Unfortunately, most people are unaware of how critical this interview is. Oftentimes, they are led into making statements the insurance company then uses against them to deny their claim.
If you need to speak with an insurance adjuster after an accident or injury, contact a lawyer first. At Helton, Cody & Associates, PLLC, we have years of experience dealing with insurance companies. Our founding attorney, Lyndon R. Helton, knows the tactics insurance companies will use to get out of paying a claim because he used to work as an insurance defense attorney years ago. His knowledge gives him an advantage when dealing with insurance adjusters.
Insurance adjusters are professionals who are trained in insurance law. Once they learn of your injury, they will open a “claim file,” which is then audited by the adjuster’s supervisors to determine whether they are paying out too much on claims.
During the interview when they call you, the adjuster may seem very nice, but don’t let that fool you. An adjuster’s job is to protect the insurance company from expense. He or she will try to get you to say things that seem harmless, but may be used against you to deny what you are lawfully owed.
In addition to this, the adjuster will ask you to give a statement and may ask you to sign a medical release. You should know that if you were in a car accident, you do not have to give a statement or sign a release. On the other hand, if you have a workers’ compensation claim, you may or may not have to give a statement and sign a medical release.
It’s important to call an attorney before you do anything following an injury because a lawyer has your best interests in mind, not the insurance company. An insurer may try to use your statements against you or use a release to go through your medical records. Using this information, they may build a case against you and deny your claim.
To protect your right to fair compensation, contact our firm online or call our office located in Hickory, North Carolina, at 828-328-9966 (toll free at 888-321-0494) to make an appointment. Your consultation is free.