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What Should You Never Do When Dealing With an Insurance Adjustor in a Car Accident or Truck Accident Case?

Like most Iowans, you have likely had a claim against an insurance company for a property damage claim such as hail damage, a leaking roof, etc. You may have received a call or visit from the insurance adjustor to discuss your claim. If you have to deal with an insurance adjustor in the future, there are some tips which may help your matter go better.

First of all, anything you say can and may be used against you by the insurance company and their lawyers. Therefore, no matter what, do not lie. Even a small lie can ruin your credibility. The best policy is to always tell the truth. That way you will never have to worry about what you said. Secondly, you should document your damages by keeping documents which may not seem important at the time, but later may become important. Also, you should keep a diary or journal of who you and when you spoke with various people. Your diary or journal will help you prove the extent of your damages, and can mean a higher evaluation of your claim.

If you sustained injuries there are several other things to keep in mind. For example, if you miss work then you should keep track of the time you miss. This includes keeping doctors excuses for missed work and keeping track of time you miss work for doctors' appointments. Also, you should review any medical bills or explanation of benefits forms that you receive from your health insurance company. The medical records made when you visit your doctor, physical therapist or other medical providers are very important. They will include your description of how you were injured, your physical complaints, your injuries, the doctor's examination findings, and the treatment you received. The insurance companies will base its offer to you on this critical information. If you fail to tell the doctor everything that hurts, not only will it not be treated properly, but also no one will know about it. If you first begin to complain about some problem weeks or even months after you were hurt, the insurance company will likely claim that the problem was not from the accident and reduce their settlement offer to you.

Likewise, remember that failing to see a physician regularly is considered evidence that you have fully recovered to the insurance company and eventually, perhaps to a judge or jury. While you should not go to the doctor every day, you need to see your doctors and tell them if you are still having problems. If your doctor says "follow-up as needed", that means to come back in a few weeks if you are still having problems. If you do not follow-up, then in the eyes of the doctor, insurance company, and perhaps even a jury, you are no longer having problems and have made a full recovery.

Insurance adjustors are trained to use words and techniques to try to settle your case and close your file. They do this for a living, all day and every day. When dealing with an insurance adjustor you need to be smart and watch what you say because it could later be used against you. After all, insurance companies have professionals working for them so you should consider having a professional on your side, a personal injury attorney with experience in handling car accident and truck injury accidents.

Often after a car accident or truck accident, an adjustor will offer a few thousand dollars in hope that you will take the offer and settle the claim quickly. If you accept the settlement and sign the release forms, then it is very difficult to change your mind later. While often you can handle a property damage only claim on your own, when it comes to a car accident truck accident or other injury accident you may need the expertise of a personal injury attorney.


To learn more including the 7 Secrets to Not Wreck Your Case click on the car accident book, go to http://www.IowaCarAccidentBook.com, or Call Now 1-800-707-2552, ext. 810 (24 Hour Message). Why offer a Free Book? Since 1997 Iowa Personal Injury Attorney Corey Walker has represented hundreds of Iowans injured in car accidents from Newton, Des Moines, Pella, Oskaloosa, Ottumwa, Iowa City, Grinnell, Knoxville and from throughout the state of Iowa. He has seen too many clients make mistakes before they had the "right" information resulting in them losing thousands of dollars. Finally, you can learn about car accidents in the comfort of your own home with no risk or obligation. However, quantities are limited so to learn how to avoid costly mistakes request your copy of Corey's Iowa car accident book now while supplies last.