This weekend and early next week are likely to bring winter weather to Oklahoma again. With the sleet, ice, and snow comes the risk of dangerous roadways and car accidents.
If you have been injured in an accident, and you notify responsible parties of your intent to file a claim, you will soon be contacted by one or more insurance adjusters about the accident and the nature of your injuries. What you say during these interviews and any documents you sign may have a significant impact on the settlement offer you receive. While many people handle minor injuries on their own, it is generally advised to hire a personal injury lawyer for claims involving serious injury, temporary or permanent disability, malpractice, defective products, pharmaceutical litigation, or premises liability accidents. If you are represented by an attorney, you can refer insurance adjusters to your lawyer who will speak on your behalf. This can minimize the chance of mistakes that can limit your settlement.
When you are contacted by an insurer, make sure to identify the person with whom you are speaking and the company with whom he or she is affiliated. Get contact information for the insurance adjuster and maintain this information in your records.
It is important to remain polite but to say little about your case. Answer only what is necessary. Adjusters will likely ask many questions that you do not have to answer, and if you do answer these questions, you may jeopardize the possibility of full recovery of damages. You will need to provide your name and contact information, but you do not need to give any other personal information. The insurance adjuster may ask about your employment, your family, and your income, but this information need not be provided during this initial contact.
Of course, the adjuster will want to know about the accident itself, but it is not necessary to provide details at this time. Give only the basic information, such as the type of accident and where and when it occurred. If the insurance adjuster presses for more information, you may tell him or her that the accident is still under investigation and you will have more details at the appropriate time.
Likewise, do not provide detailed information about your injuries. You may give general information, but let the adjuster know that you are not yet certain of the extent of your injuries and treatment.
The adjuster may ask if there are any witnesses or other responsible parties. Do not lock yourself into providing witnesses or statements. You can also ask the insurance adjuster if he or she knows of other witnesses or responsible parties. This information can help you build your own case.
Personal injury claims are often complicated, and at the earliest contact of an insurance adjuster, you likely do not have all the information you need to get the fullest compensation for your injuries. Do not give any detailed verbal statements and do not sign any written statements. Consult an attorney who can help you determine the responsible parties and the compensation available to you for injuries and losses. Dealing with insurance companies can be taxing, particularly when you are in physical pain and under enormous stress. A personal injury lawyer can expertly handle the insurance companies while you focus on your recovery.
