Even a minor accident can lead to major setbacks and frustration. Adding to your dilemma is the fact that your insurance provider may not be entirely on your side during the claims process. You must remember that insurance companies are in the business of making money, which means they may not give you the full compensation you need and deserve after your incident. Learn how to communicate with your insurance adjuster, and the other party’s adjuster, in a way that helps your claim rather than hinders it.
Do Not Guess
Of course, insurance adjusters want to know what happened. When asked about the accident, stick to what you know for a fact, and do not speculate about any details, no matter how minor. You never know whether an insurance company may use what you say against you, claiming that you changed your story. Additionally, only answer questions the adjuster asks; do not provide extra details.
Do Not Admit Fault
Just as you do not want to admit fault to the other driver involved in the accident, the same applies to adjusters. Before sending your damaged vehicle off for auto body repair denver co, an adjuster may look for ways to deny your claim so the insurance company does not have to pay for damages. Even if you feel there is no way the other party bears fault, you never know whether an unknown variable may be at play. Your vehicle could have a recalled component, or road conditions may have contributed to the accident.
Do Not Give a Recorded Statement
You do not have to give the claims adjuster a recorded statement. Just like admitting fault or offering extra information, an adjuster could use your recorded statement to dismantle your claim, possibly accusing you of changing your story later.
Do not get too comfortable with insurance adjusters. Take steps to protect your claim and your rights.