Our Florida Car Accident Lawyer Offers Tips for Dealing With an Insurance Adjuster

Being in a car accident can be a traumatizing experience, and dealing with the insurance company afterward might feel overwhelming. That is why it's important to know how to handle communication with an insurance adjuster. Our skilled car accident lawyers at Spetsas Buist offer simple tips on how to deal with an insurance adjuster so your rights are protected and you do not say anything that could jeopardize the outcome of your personal injury claim. Avoid making mistakes when talking to an insurance adjuster

What to Know Before Talking to a Florida Insurance Adjuster

Dealing with an insurance adjuster after a car accident can be an intimidating experience. Being prepared and informed before speaking with them is crucial to ensure you handle the situation without damaging your compensation claim. The following are tips on how to talk to an insurance adjuster when you’re injured in a car accident:

  • Understand your insurance policy. It is important to familiarize yourself with the terms and coverage of your insurance policy. Having knowledge about your insurance policy will help you better navigate conversations with the adjuster.
  • Document everything. Keep thorough records of the accident, including photos, police reports, medical bills, and any correspondence with the insurance company. This documentation can serve as evidence to support your car accident injury claim.
  • Know your rights. Understand your rights under Florida law. Florida uses a modified comparative negligence system, so you will be unable to receive compensation if you are more than 50% responsible for the accident that caused your injuries. The car accident lawyers at Spetsas Buist can explain Florida personal injury law and help you understand the steps to take after an accident to help secure fair compensation.
  • Stay calm and composed. Emotions can run high after a car accident, but remaining calm and composed is essential when speaking with an adjuster. Avoid getting defensive or argumentative, as this may cause you to make statements that might be misconstrued or considered inflammatory.

What to Say to a Florida Insurance Adjuster

You should seek the advice of a car accident attorney before saying anything to an insurance adjuster. Anything you communicate can be used against you and affect your claim. If your lawyer okays communication with an adjuster, keep the following tips in mind to avoid costly mistakes:

  • Provide basic information. Be cooperative, and only provide the necessary details about the car accident. You can tell the insurance adjuster basic information, such as the date, time, and location of the crash.
  • Describe injuries and damages. Clearly explain any injuries you sustained due to the accident and the extent of damage to your vehicle. Provide accurate information without exaggerating or downplaying the severity of the situation.
  • Stick to the truth. Always tell the truth when speaking with the insurance adjuster. Falsifying information or exaggerating your injuries could jeopardize your credibility and harm your claim.
  • Ask questions. Do not hesitate to ask questions if you are unsure about something related to your claim. Ask for clarification on any aspects of the claims process or your insurance coverage to ensure you have a clear understanding.

What Not to Say to a Florida Insurance Adjuster

When talking to an insurance adjuster, it’s important not to damage your claim by making statements that could put you in a bad light or minimize the seriousness of your injuries. Make sure you avoid the following:

  • Admitting fault. Avoid admitting fault or saying anything that could be considered an admission of liability. Adjusters will look for ways to assign partial or full blame to you instead of the at-fault party.
  • Speculating or guessing. Refrain from speculating about the cause of the accident or the extent of your injuries. Stick to providing factual information based on your observations and experiences.
  • Accepting a settlement too quickly. Don't rush into accepting a settlement offer without a careful discussion with your attorney. Insurance adjusters may try to pressure you into accepting a settlement for less than your claim is worth. Consult with an experienced car accident lawyer at Spetsas Buist to help ensure you are receiving fair compensation.
  • Discussing previous injuries or car accidents. Avoid discussing any previous injuries or accidents that are unrelated to the current claim. Only focus on providing relevant information about the incident in question.

Contact Spetsas Buist When You’ve Been Injured in a Florida Car Accident

At Spetsas Buist, our skilled auto accident lawyers understand the underhanded tactics insurance adjusters will often use to try to get you to make statements that will hurt your personal injury claim. We will provide a legal strategy to help you, discuss how to avoid making mistakes, and help get you the compensation you deserve. Our legal team has handled thousands of injury claims and are skilled fighters in the courtroom. We’re not afraid to take your case to trial.

Schedule a consultation to learn how Nick Spetsas and Charles Buist might be able to help you. To request a free consultation, reach out by filling out our online contact form.