Imagine you have just been in a car accident. You did everything you were supposed to do at the scene, saw a medical professional, and headed back to your home. Once you got there, you filed a report with your insurance company who then told you a claims adjuster would be out to see you. What might have been intended to ease your mind just raises more questions. What is a claims adjuster? Is it out of your hands now or should you hire a personal injury attorney?
When dealing with insurance companies after an accident, you should never face them alone. Trust the experienced Bluffton team at Nye Law Group to defend your rights and ensure you receive the compensation you deserve and not just what the insurance company is willing to pay out.
What is an Insurance Claims Adjuster?
After you have been in an auto accident in South Carolina, regardless of whether or not you were injured, your claim for damages will cross the desk of an insurance adjuster. An insurance adjuster is someone who heads investigations into claims that are covered by an insurance policy. These claims can be anything from property damage to personal injury.
Adjusters in South Carolina are allowed to carry out their investigations by speaking to any witnesses, assessing the damage done, interviewing property owners, and looking over the police reports. Once all the facts are compiled, the insurance adjuster will then determine the insurance carrier’s liability towards the insured party.
What Can an Insurance Claims Adjuster Do?
The claims adjuster does not work for you. He or she works for or as a representative of the insurance carrier. Their job is not to offer you the full compensation that the law says you are entitled to based on your specific circumstances, your injuries, and the tenents of your insurance policy. Their job is to settle claims by giving out as little money as possible as quickly as possible. Working with an adjuster is designed to be confusing and taxing. The goal is always to get you to settle for as little money as possible so the insurance company can move on and make more money.
What Not to Say to an Insurance Claims Adjuster
Insurance adjusters can be very tricky to speak to and negotiate with. Before you meet with one, you need to hire a local South Carolina personal injury attorney to help you through the situation. Something as simple as answering “How are you today?” with an “I’m fine, thank you,” can be marked down in the adjustor’s notes as “Claimant said he feels fine.” This could leave you in the awkward position of having to defend your settlement against good manners in court. It is in your best interest to understand why you should never speak to an adjuster without a personal injury attorney present and to always be acutely aware of the facts of your case. The insurance adjuster is there to try to tear down your case and refute the extent of your claims
South Carolina Personal Injury Lawyer
Just as the claims adjuster will represent the interests of the insurance company, the qualified personal injury attorneys at Nye Law Group will represent your interests. The advice of a reputable attorney from Nye Law Group can be invaluable in getting you the full settlement to which you are entitled. We are committed to providing you with top-notch legal representation and to making sure you are treated fairly. To speak with someone with working legal knowledge of personal injury claims in South Carolina, contact us for a free consultation at 912-200-5230