If you got involved in an accident that resulted in an injury, you could get compensation. But, there are many steps that you must go through. You must do this to file a claim and bring a lawsuit against the at-fault party. One aspect of this process includes an insurance adjuster. The insurance adjuster comes from the at-fault party’s insurance company. The role of the insurance adjuster is something that you should be familiar with. This is especially true if you want to file a case.
Once an accident happens, both parties should tell their insurance companies. Generally, the at-fault party’s insurance company assigns an insurance adjuster. The adjuster will work on the personal injury case. The insurance adjuster is part of the whole process of the case. They get involved as soon as the personal injury claim gets made. They continue on to the case resolution. This happens whether the case ends in trial, appeal, or settlement. Understanding the role of this adjuster can help you build your case. It will also help you know what to expect during the lawsuit process.
What Is An Insurance Adjuster?
Insurance adjusters are usually claims professionals. They get hired by insurance companies. The job of the insurance adjuster is to propose an inexpensive settlement. These settlements usually get proposed at the beginning of the case. This tries to save the insurance company money. Insurance adjusters take into account the accident and the case budget. They also consider the risk management. They do this to propose a settlement that is attractive to the injured party.
Dealing With An Adjuster
It is not in your best interest to accept the first settlement from an insurance adjuster. This is because adjusters want you to settle quickly. They want you to just settle without involving lawyers. Insurance adjusters will try to pressure you into taking the deal. This is because it will not cost the insurance company a lot of money. Insurance adjusters might also try to get you to delay your lawsuit. They do this in the hopes that the statute of limitations will run out on your case. In Connecticut, you can’t file a personal injury lawsuit after two years of the date of the accident. So, they will try to drag the case out until you can’t get compensation. Don’t let this happen!
Insurance adjusters do not have your best interest at heart. Instead, they are biased toward the defendant and the defendant’s insurance company. While they might seem sympathetic toward you, they just want you to take the settlement. For this reason, it is important to hire your own personal injury lawyer. Your lawyer will protect your interests and your rights. Your lawyer will know what is a fair settlement better than you. This is due to his or her experience. You should not negotiate with an insurance adjuster unless you have a lawyer present.
A settlement proposed by an insurance adjuster might seem appealing. But, you should consider waiting to take a deal. You probably will not get the compensation that you deserve if you take the first deal offered to you. Instead, try to reach a compromise with the other party. Use evidence to show why you deserve more compensation. This can help your case. Also consider working with an attorney through this process. This will help you not get taken advantage of by the insurance adjuster. Your rights will get protected by an attorney.