Following a motor vehicle accident, you will be contacted by your insurance company. They will ask questions about the accident and your injuries. It is usually OK to provide them with the information they need.
However, beware of a call from an insurance agent representing the at-fault party. This agent, also known as an insurance adjuster, will also be asking questions about the accident and your injuries.
Be careful – the information you provide him will be used against you. You have no obligation to talk to him. Know your rights before you give him any information.
The adjuster will try to offer you a settlement as compensation for your injuries. The money offered may seem attractive, but it is rarely a fair assessment of the circumstances. It is important to consult a lawyer to properly assess your situation and the expenses related to your injuries. This will allow you to receive full compensation.
The adjuster might also tell you that you only have a few weeks to accept the offer, implying that you won’t be entitled to compensation if you refuse. In fact, the law says that you have two years from the date of the accident to make an insurance claim. There is no need for you to rush into accepting an offer.
If you accept an offer, and complications from your injuries arise later, it will be too late for you to recover additional compensation. Your case will be considered closed.
Take your time and know your rights before accepting a settlement. Do not let the adjuster dictate the outcome of your situation. Don’t accept an offer you may regret later – contact your legal representative as soon as possible.