A car accident is a critical event in one’s life. The physical and emotional toll may be hard to control. However, the actions taken hours and days after an accident can have exacting consequences on you and your family’s financial well-being. That includes how you handle insurance adjusters.

Whether the accident was your fault or not, or you were injured or not, speaking with an insurance adjuster is unavoidable. Before that call, you should have already exchanged insurance information with the other driver, notified your insurer, check how everyone involved is doing, and talk to the police.

All this can seem like a heavy burden after a car accident. But the more prepared you are, the better.

What Does an Insurance Adjuster Do?

First, it helps to know what an insurance adjuster does. Before calling, they will evaluate your claim by:

Adjusters are notorious for making lowball offers. It’s their job. That is why you should be treated by a medical professional if injured; medical bills can increase the value of an offer.

It is also important to have a personal injury attorney. The right attorney can help you find medical treatment, absorb medical costs until a settlement is reached, and follow all legal guidelines. Attorneys also act as buffers between you and insurance companies to prevent them from bullying you.

Types of Insurance Adjusters

There are two main types: Level 1 non-attorney-represented adjusters (new to the job or lacking experience), and Level 2 attorney-represented adjusters. Once your insurance company gets a letter you’re being represented by an attorney, a Level 2 adjuster will be assigned to your claim. Regardless of their level of experience, an insurance adjuster will use anything you say against you.

Dealing with an Insurance Adjuster

To know how to talk to your insurance adjuster, there are two crucial points:

What to Do Next 

The less you say the better; sometimes, saying absolutely nothing is best. Contact your attorney to handle the situation. Then apply for legal funding in Los Angeles, and our team will discuss the case with your personal injury attorney and make an offer with 24 hours. With non-recourse pre-settlement funding, there are no out-of-pocket costs and we are paid back only if your case wins. For more information, contact Fund Capital America or apply now online.