Don’t be alarmed. This happens more often than it should. Making house visits soon after a car crash is a common tactic insurance companies use to minimize how much they will have to pay you. In most situations, the insurance adjuster wants to come over to your house to either settle your case for much less than its worth or minimize its value by taking your recorded statement. The insurance company does not want you to hire an attorney because an experienced personal injury attorney will make sure that you get paid the full value of your case, which is usually thousands more than what they are offering.
Most people who have been injured in a car crash have no idea how long their pain will last, how much medical treatment they will need, how much their medical bills will cost, and how much time they will miss from work due to the injuries they suffered in the crash. Despite all of this, the insurance adjuster may still want to settle your case with you less than one week after the car accident.
It is common for an insurance adjuster to offer you $500, $1,000, or even $5,000 to settle your case right away. Don’t go for it without talking to a trusted attorney first. A good attorney will be able to tell you what the insurance company is up to and whether you should settle your case or not. In the vast majority of situations, you should not settle your case that quickly. You don’t know how long your pain will last and you don’t know how much medical treatment you need. If you settle for what the insurance company is offering that quickly, you could be letting them off the hook for what they truly owe you.
If the insurance adjuster is unable to settle your case with you, they will insist on taking your recorded statement. You are under no obligation to provide a recorded statement to the other party’s insurance company and it is usually a very bad idea to provide them with one. Don’t do it. Talk to an attorney first. Most personal injury attorneys will meet with you for free and provide you with free advice on your case whether you are represented by them or not.
Ultimately, don’t let the insurance adjuster into your house – no matter how friendly they are. They’re only looking out for the insurance company’s own interest, not yours.
If you were recently involved in a car accident and would like to talk to an attorney before talking to the insurance company, call Lem Garcia, car accident attorney in West Covina. Case consultations are free and without any obligation whatsoever. Find out what you should do after you’ve been injured in an accident and call Lem Garcia Law.
By: West Covina car accident lawyer, Lem Garcia