Whose side are insurance adjusters on? They seem nice, but beware. They’re wolves in sheep’s clothing.

You just got into a car accident. So now, you have all sorts of stress on your hands.

To add to that, you have to talk to an insurance adjuster. It’s a big, scary company, so you don’t know what to expect.

Relax, my friend.

I’ve got your back. This is what to do about them:

  1. Should I Speak to the At-Fault Party’s Insurance Company?

No way!

They’ll come off as friendly and nice, appearing to want to collect some information so they can do some paperwork, and write you a check.

Sounds innocent enough, doesn’t it?

BUT…their entire job is to adjust the amount of money their company would pay you to a lower number, one much lower than you deserve.

The number never “adjusts” upward.

Plus, they know you might be on pain medications, and still woozy from the accident. So they might get some good information out of you that supports their case, not yours.

That’s nasty, isn’t it?

If the other insurance company calls you, call a lawyer instead.

  1. Do I Have to Talk to an Insurance Claims Adjuster?

Nope. Never.

No matter how they present it to you, you do not have to speak to them. If you do speak to them – many times they want a recorded statement – you should only do so if you have an attorney who participates in the call or meeting with you.

  1. Should I Panic If It’s the Insurance Company’s Attorney Instead?

This appears a little more intimidating. But, their attorney has no more authority than their claims adjusters. The insurance company may use an attorney to put a little more fear in you.

Sometimes, if the insurance company doesn’t have a local claims office, they’ll hire a local attorney instead.

Again, you don’t need to worry if an attorney calls you. And just like you would with a claims adjuster, don’t talk to them on your own.

Their mission is the same – to find out what not to pay for.

  1. How Are Insurance Adjusters Paid?

Here’s where the rubber meets the road. They’re paid based on 3 criteria:

  1. How little of the insurance company’s money they spend on settlements
  2. How quickly they settle claims
  3. How many claims they can settle without using their company’s lawyers or the help of their supervisors

Most adjusters have to manage 50-100 claims per month. Inexperienced adjusters can settle dollar amounts between $5,000 – $10,000, while experienced adjusters handle cases ranging from $10,000 – $20,000.

As you can see, it is in their best material interests to talk you down as much as possible.

Stay away no matter how friendly they seem!

The Golden Rule: Never Talk to Someone Else’s Insurance Company

You certainly have no legal obligation to talk to the other insurance company. Although there’s nothing stopping you from doing it, either.

But hopefully, we’ve made it clear you’ll only cost yourself money negotiating on your own.

If you get a call from another insurance company, call a Dallas personal injury attorney instead.