The 3 Possible Responses of an Insurance Adjuster in the Injury Claim Process

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.

Civil Lawyer Indianapolis Indiana 317-636-7497
Civil Lawyer Indianapolis Indiana 317-636-7497

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:

They will offer the full amount of compensation requested.
They will offer you less money than requested.
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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Carl Brizzi Law Indianapolis Indiana
Carl Brizzi Law Indianapolis Indiana 317-636-7497

Is it Too Late to File an Injury Claim After My Auto Accident?

If you were recently injured in a car accident in Indianapolis, it is critical to get started on your injury claim as soon as possible. Continue reading to learn what you need to know about personal injury statutes of limitations, including how long you have to file a claim after an auto accident in Indiana.

Auto Accident Lawyers Indianapolis IN 317-636-7497
Auto Accident Lawyers Indianapolis IN 317-636-7497

Indiana Statutes of Limitations for Car Accidents

It is strongly advised by veteran personal injury attorneys to file a car accident claim as soon as you are physically capable, even straight from the hospital bed if possible. Acting fast is important because it protects the evidence supporting your claim, plus allows you to avoid missing the filing deadline set by the state, known as the statutes of limitations.

Statutes of limitations are set time periods for filing civil claims. They vary depending on the type of civil case, but for most personal injuries, Indiana gives claimants 2 years from the date of the accident to bring about a claim against an at-fault party and their insurance carrier. This includes car accidents.

The Importance of Filing on Time

Once the statute of limitations expires, claimants lose all eligibility to bring about a personal injury car accident claim in civil court. There are some exceptions to the rules of these limitations, and in some cases, the statute of time can be extended. It is important to talk to your skilled Indiana car accident lawyer for help understanding the limits and deadlines surrounding your claim.

Even if you think you missed the deadline, contact a lawyer anyway. You may have more time than 2 years to file your particular type of personal injury claim.

Car Accident Legal Tips:

⇛ Seek medical attention immediately.

⇛ File a police report at the scene of the accident or at the hospital.

⇛ Take pictures and video evidence of the scene of the accident, if possible. You can also ask a police officer, witness, or friend to do this for you.

⇛ Keep all documentation, including police report, medical treatment reports and records, witness statements and contact information, and media of the scene.

⇛ Contact a personal injury lawyer to learn your eligibility for pursing legal action against a responsible party.

⇛ Follow all instructions and guidance suggested to you by your car accident personal injury lawyer.

⇛ Stay away from all social media platforms until your case has been settled.

Are you looking for a seasoned injury lawyer who can help you win your car accident case? Contact Carl Brizzi LAW at 317-636-7497 to file a car accident claim in Indianapolis, Indiana. Our experienced personal injury lawyers represent clients all throughout the state.

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Carl Brizzi Law Indianapolis Indiana
Carl Brizzi Law Indianapolis Indiana 317-636-7497