Should you trust the insurance adjuster when agreeing to give a recorded statement?
I get asked this question repeatedly and my answer never changes. Your relationship with the adjuster is not about trust or distrust. It is a business relationship between two parties with adverse interests. That simply means you must protect yourself because the insurance adjuster is not going to do it. In fact, the adjuster intends to do everything he or she can to ruin your claim. There are just two reasons they talk with you.
- Figure out a way to pay you nothing.
- Figure out a way to pay you as little as possible.
Beyond that the adjuster really has no reason to speak with you.
And this is why your being represented by an attorney is so important. It is because the adjusters might like to make you look unprepared, and that might look like you are exaggerating your claim by making up the facts; a lawyer will want to prepare you before talking to the adjuster.
This business isn't complicated, it is just made complicated by people not understanding what they are doing and then causing issues with the case. And it is the facts where most of that takes place.
Your lawyer is your only friend in the lawsuit and that is because he or she has your interests as their overriding loyalty. We represent you not the insurance company. The insurance adjuster represents the insurance company’s bottom line – meaning paying you as little as is humanly possible.
And so, trust? No. Caution? Absolutely.
Additional Blogs from the Lombardi Law Firm
- Should I give a recorded statement?
- Insurance Practices: The injured person's recorded statement
- How to prepare for your recorded statement.
1 Comments to "Should I Trust the Insurance Adjuster?"
Jon A. Lafferty, Accident attorney Findlay,OH"
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