During the personal injury claim process, an insurance company will perform a comprehensive investigation to evaluate your total damages and losses. Once this investigation is complete, the insurance adjuster will respond to your demand letter in one of three ways.
Continue reading to learn the 3 possible outcomes when dealing with an insurance adjuster, and more importantly, how to protect your rights to a full and fair settlement in Indiana.
Insurance Adjusters are Not Your Friend
When it comes to personal injury claims, it is important to understand that insurance adjusters are not on your side. In fact, insurance companies rigorously train their adjusters in specialized tactics meant to reduce the value of a victim’s claim, and adjusters will utilize every ploy they can to achieve this goal. They will even check social media profiles, speak with witnesses, contact friends and family for character testimony, and much more. They are basically corporate investigators who aim to pay out as little as possible for a personal injury claim.
When speaking with insurance adjusters, it is important to not give up too much information. In fact, you should already be represented by an Indiana personal injury lawyer at this point in the process. A civil litigator can protect you from being taken advantage of during the insurance adjuster interview and negotiation process. Anything can be misconstrued as something valid enough to lower the value of your claim, so it is best to be under the reading of a seasoned attorney before discussing your accident and injuries with an insurance adjuster.
Demand Letters
A demand letter is something that you can send into the insurance company to demonstrate your economic and non-economic damages and losses that occurred as a result of the accident. It is used as a foundation to negotiate compensation for your hospital bills, medical expenses, lost wages, pain, suffering, and more.
Demand letters are quite complex, and critical to the overall negotiation process, which is why it vital to have a skilled Indiana personal injury law firm to arrange one for you. After receiving the demand letter, the insurance company will move forward with a full investigation of your claim. Once the investigation is over, the insurance adjuster assigned to your case will respond in one of three ways:
➀ They will offer the full amount of compensation requested.
➁ They will offer you less money than requested.
➂ They will offer zero compensation and deny your claim entirely.
Was Your Personal Injury Claim Denied?
If your claim is denied by an insurance adjuster because they allege you are the responsible party according to state laws, the first thing you need to do is contact an Indianapolis accident lawyer for help. On your behalf, they will take the necessary steps to negotiate your rights to the full and fair compensation you deserve after being wrongfully injured in an accident. If the insurance company still refuses to offer a fair settlement, they will take your case to trial.
An adjuster is not a lawyer or legal professional; they are simply insurance company employees. This means that they may have a broad idea on the law in regard to their particular job role and the cases they oversee, but they do not have detailed knowledge of the law. They cannot possibly know whether or not you are truly 100% liable for the accident that caused your injuries and losses. For this reason, it is vital to hire an experienced personal injury lawyer to navigate your claim.
Are you looking for a trusted civil litigator to help you recover the compensation you deserve after a wrongful accident? Contact Carl Brizzi LAW at 317-636-7497 and schedule a free case evaluation with a skilled Indianapolis Indiana pedestrian accident lawyer you can trust. Our law firm serves clients all throughout the state of Indiana.
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