If you got involved in an accident you might get injured. If this happens, you could get compensation. But, there are many steps that you must go through to file a claim. It is a process to 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 are going to file a case.
What Is An Insurance Adjuster?
Once an accident resulting in injury occurs, both parties should tell their insurance companies. Generally, the at-fault party’s insurance company will assign 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 are involved from the moment that the personal injury claim gets made. They continue to work until the case resolution. This is the case whether the resolution is 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.
Insurance adjusters are usually claims professionals. They get hired by insurance companies. The job of the insurance adjuster is to propose a quick and inexpensive settlement. They give this offer to the injured party. These settlements are usually proposed toward the beginning of the case. This tries to save the insurance company money. Insurance adjusters evaluate the accident. They also look at the case budget and the risk management purposes. They do this to propose a settlement that is attractive to the injured party.
Accepting A Settlement
It is not in your best interest to accept the first settlement from an insurance adjuster. This is because adjusters want the plaintiff to settle quickly. They want to do this 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 hoping the statute of limitations will run out on your case. In Connecticut, you cannot file a personal injury lawsuit after two years of the date of the accident.
Insurance adjusters do not have your best interest at heart. Instead, they are biased toward the defendant. They are also biased towards 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 that you hire your own lawyer. Your lawyer will protect your interests and your rights. Your lawyer will know what is a fair settlement better than you can. 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, consider waiting to take a deal. You probably will not get the compensation that you are entitled to if you take the first deal offered.