A car accident can be incredibly difficult to work through and without the proper information and help it may be nearly impossible to work through the accident on your own. There are a few different ways that you can prepare yourself to handle an accident, and with the right information, anyone can be prepared for what is to happen. One thing that many may be wondering after an accident is what does an insurance claims adjuster really do? First and foremost, an insurance claims adjuster works for the insurance company and may be looking to devalue your insurance claim. Knowing what they do can help you a great deal in the long run.
1. Reconstructing the Accident- the first thing that an insurance adjuster may do is work to recreate the accident as it happened. This may mean talking to the other driver, talking to the witnesses, and even talking to the police and EMTs that worked on the scene. This is to establish credibility and to make sure that the accident is accurately recorded. This is also to make sure that those involved are accurately depicted in the report and that the claims that have been made are both accurate and truthful.
2. Take Statements- another thing that an insurance adjuster will do is to take statements from other drivers, EMTs, Police, and anyone else that may be involved in the accident. They will also take statements from the doctors that are involved and anyone that may have come in contact with the individual that was involved in the accident. This means of course talking to anyone that may have any information about the accident. This helps to make for a more accurate report and for a much more accurate picture of the incident.
3. Recount All Possible Occurrences- the next thing that an adjuster will do is of course to take into account all possible events that may have caused the accident. This is not to dispel the blame for the accident or make your claim invalid, but simply to go down every avenue to make sure that the accident happened the way they said it did and to help make sure that the accident was not the fault of the person making the claim. This helps to determine who caused the accident and what could have been done to prevent it.
4. Look for Fault in the Story- the last thing that an adjuster will do is evaluate the car and what it will cost to get fixed and then they will work to look for any fault in the story line. This will help them determine that the story being told is truthful and that the accident being filed is what really occurred.
Any of these things can help to determine what happened during the accident and to determine what happened overall. These adjusters are sent out by the insurance company to make sure that the accidents claimed are viable, truthful, and not fraudulent. These adjusters are sent to make sure that claims are valid and that they are not being filed to defraud the insurance company. Basically, insurance adjusters are in place to protect the insurance company.
The key thing to learn is never speak to an insurance adjuster, whether yours or that of the other party without a lawyer. Never, and I mean never, give a recorded statement. Lastly, DO NOT give a statement about your injuries, as your insurance lawyer Philadelphia will do that.
The Lassen Law Firm only deducts a low 29% contingency fee, not the standard 40-45% like other firms. We serve ALL of Pennsylvania and New Jersey. We can sign you up over the phone and start working on your case today.
The Lassen Law Firm
1515 Market St #1510
Philadelphia, PA 19102