How does the insurance adjuster decide what to offer me initially after a car accident?
Insurance adjusters are trained to settle cases for the insurance company for as little money as possible. This means that they will start assigning a value to your case from the very beginning when they ask questions to find out whether you are hurt or to learn more about your injury.
If you are complaining of a back ache, bruises, and a headache but haven’t gone to the doctor, the insurance claims adjuster may attempt to settle your case quickly before you know the full extent of your injuries. While the adjuster may not have any grounds to base his offer on, he may present an offer to you of $1,500 or more — hoping you will agree and they will settle and close the case. While it may seem like a lot of money, it is important to always see a doctor and find out the extent of your injuries before agreeing to any settlement offer.
If you have visited the emergency room or your primary doctor after a car accident, the insurance company will try to get a copy of your medical records and history in order to learn about the extent of your current injuries and whether or not you had similar injuries in the past. They will request additional documents such as proof of earnings and tax returns to calculate these things in order to make a settlement offer.
If you have any questions about what your case is worth or if the insurance adjuster is making a fair settlement offer, please call the Law Offices of David Benenfeld at 866-9 HELP NOW or 866-943-5766 to speak with a trusted personal injury lawyer in a complimentary consultation today.