Should I Get a Lawyer Before Talking to Insurance?

Suppose you or someone you love has been injured in an accident. In that case, it is critical to seek the assistance of an experienced personal injury lawyer before talking to the insurance company. Once you have legal representation by your side, you will significantly increase your chances of securing a fair settlement for your claim. 

Estate agent and customer shaking hands after finished contract after about home insurance and investment loan
Real estate agent and customers shaking hands together celebrating finished contract after about home insurance and investment loan, handshake and successful deal.

Tactics Used by Insurance Adjusters

According to floridahomeclaim.com, generally, insurance adjusters use certain tactics to devalue or deny your injury claim. It is essential to learn these tactics, so you won’t be caught off-guard.

Firstly, insurers may try to contact you immediately after the accident, so you won’t have the time to seek legal representation and learn about your rights. Be aware that they may seem friendly and helpful but will try to convince you that hiring an attorney is not necessary. If you want to get compensation for your damages, always get in touch with a lawyer. Whatever the insurance company may tell you, you do not need to settle the claim right away. You don’t have to accept their first offer because they will try to reduce your compensation as low as possible.

Another common tactic the insurance adjuster may use is persuading you to provide a written or recorded statement. You have no legal obligation to offer them any information. In fact, never give a statement to an insurance adjuster as it might affect the final result.

Separately, they may use social media to check on you and your injury status. Be careful before posting something online about your accident, as they might claim that your injuries are not that severe. Therefore, your injury claim may be denied or devalued.

Remember that anything you say can be used against you, so do not sign any documents or agree to have your conversation recorded. It’s enough to file a claim to provide the accident’s date, time, and location and say that you seek medical treatment for your injuries. You do not need to discuss anything else about your accident.

Talk to a Lawyer First

No matter what the insurance company might tell you, you must protect your legal rights. Insurance companies will try to take advantage of their knowledge and your lack thereof to limit the possible payouts. But you have the right to talk to a lawyer before contacting the insurance adjuster, which will not hurt your case. Moreover, instead of talking to the insurance company about your accident, you can refer them to your lawyer. An experienced attorney understands how insurance companies work, and they will know the value of your injuries and build a strong case to fight for your rights.

Final Words

Your lawyer’s primary goal is to commit to your best interests by securing maximum compensation for your damages and injuries. In addition, with a lawyer by your side, you may get more compensation offered. Once you hire an attorney, all your conversations will be protected by attorney-client privilege.

Lastly, a trustworthy lawyer will know how to properly investigate the cause of your accident, your medical diagnosis, and the insurance policies involved. Thereby, the attorney will determine the value of your injury claim.

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