Filing a personal injury claim against the drunk driver’s insurance company gives you the chance to receive compensation for your injuries. Once you file your claim, insurance adjusters from the at-fault driver’s insurer may reach out within the next few days.
Yes, you can talk to insurance adjusters
Speaking with claim adjusters is often necessary. It helps the drunk driver’s insurance company investigate the accident and determine the extent of their responsibility. Just remember that claim adjusters put the interests of their insurance company first – not yours. They aim to lower the company’s liability in the case, which can negatively affect your compensation.
Answer their questions carefully
How you answer the insurance adjuster’s questions is crucial. The rule of thumb is to stick to the facts. Any additional information you give adjusters may help the at-fault driver’s insurance reduce the amount they need to pay you. Most importantly, avoid saying things like how you didn’t see the other car or anything that may point the blame at you.
Tips for answering questions
Below are some ways you can answer common questions insurance adjusters may ask:
- Try to avoid discussing the accident at length: If they ask you to describe what happened, stick to verifiable facts such as where it happened and the time. Avoid saying anything they can potentially spin as a partial admission of fault.
- Be careful of seemingly innocent questions: Adjusters may take a simple answer of “I’m fine” to the usual greeting of “How are you feeling today?” as an admission that your injuries are not serious.
- Avoid mentioning your job and medical history: Information about your employment, salary or medical records may help them minimize the amount the insurance company needs to pay.
- Keep answers about your injuries vague: If adjusters ask you about your injuries, you can say that you are undergoing medical evaluations and do not know the full extent of your injuries yet.
Seek professional legal guidance
As much as possible, seek legal guidance before speaking to adjusters. An experienced personal injury attorney can help you answer questions without potentially jeopardizing your claim. Moreover, they can help you prepare to deal with insurance companies and recover the maximum compensation for your injuries.