Typical Insurance Adjuster
You don’t have to tell the adjuster that you hired an attorney. If you do, don’t fall prey to their cunning strategies to keep you cut off from legal knowledge. Here are things you might hear from an adjuster if you tell him you’re considering an attorney. And here’s what you should think about when you hear them.
Why do you need an attorney? I’ll work with you on the claim.
Answer: You better believe the adjuster will work with you—in the insurance company’s best interest, to settle it fast and cheap. You need an attorney because you’re an inexperienced, seriously injured amateur going against a seasoned professional backed by the limitless resources of a mammoth insurance company.
If you get a lawyer, we won’t have the convenience of working together directly any more on this claim.
Answer: Ask yourself how convenient it’s been for you so far. Wouldn’t you rather have a professional deal with the adjuster and worry about getting him on the phone, so you don’t have to worry about it anymore and can focus on just getting better?
If you hire a lawyer, it will slow down the claim process.
Answer: Wrong. If you have a hard-working attorney, it might actually speed it up. Attorneys can get adjusters to work faster by submitting solid evidence packages with firm settlement offers—and time limits adjusters have to respond to, or else. The only thing that can speed up the process for you is to quit and shortchange yourself with a cheap settlement that doesn’t reflect how bad you’re hurt. That’s exactly what the adjuster wants.
If you don’t accept this amount now, we will withdraw all offers.
Answer: This is generally an empty threat. If your case has value, they are bound in good faith to settle it. They are preying on your fear.
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