We’ve seen every insurance adjuster trick in the book. The sad truth is that insurance adjusters have just one job: to make sure the insurance company keeps as much money as possible. Our book “The Insider’s Guide to Texas Auto Accident Claims” goes into every adjuster tactic in the game, and here are the most common you need to watch out for.
The Dangers of Recorded Statements
One of the first things an insurance adjuster may ask for is a recorded statement. This may seem like a routine request, but it’s actually one of the oldest tricks in the book. They want you to give a recorded statement so they can use it to undermine your claim later on. Remember, you are not required to give a recorded statement, and in most cases, it’s best to avoid doing so.
Avoid Quick Settlement Offers
Another common trick is the quick settlement offer. After an accident, you may receive an offer from the insurance company within just a couple of weeks. While this might seem like a good deal, it’s often far from it. At this stage, you likely don’t know the full extent of your damages. The insurance company is banking on this, hoping you’ll accept an undervalued settlement before realizing the true cost of your accident.
Medical Authorizations: Proceed with Caution
Insurance adjusters might also ask you to sign a medical authorization form. This is a major red flag. By signing, you give them carte blanche access to your entire medical history, not just related to the accident. They can then comb through your records to find any pre-existing conditions they can use to deny your claim.
The Adjuster Is Not Your Friend
Some adjusters may be openly rude or aggressive, but others may take a friendlier approach. Don’t be fooled. Regardless of their demeanor, their goal is the same: to deny or minimize your claim. They might say things like, “We can handle this together,” or “You don’t need a lawyer.” A study by the Insurance Research Council shows that people who hire a lawyer after an auto accident receive three and a half times more compensation than those who handle claims on their own. This is a tactic to keep you from seeking legal advice, which often results in you getting less than you deserve.
At Harmonson Law Firm, we’re here to help you navigate the complexities of dealing with insurance adjusters. Don’t go it alone — reach out to us to ensure you’re fully protected every step of the way.