You are Not Legally Obliged to Answer Questions
If an insurance adjuster contacts you, all you need to do is advise that individual that you are seeking or have retained legal counsel. If you have hired a lawyer, you can provide the insurance adjust that professional’s name and contact information. You can advise an adjuster, or anyone else from an insurance company that attempts to obtain information from you, to contact your attorney.
Locked Into Any Statement You Make
Making a verbal misstep in the direct aftermath of an accident that result in your being injured is a common type of occurrence. Moreover, because an insurance adjuster is highly likely to reach out to you directly after an accident and before you really have all information about your injuries, damages, and losses.
An experienced lawyer understands how to navigate questioning and making a statement about an accident and associated injuries. In addition, an experienced lawyer also knows when, why, where, and how you should and should not make a statement of answer questions pertaining to an accident and injuries. Indeed, in nearly all cases an attorney is likely to take the position that you should not answer questions and not make a statement to an insurance adjuster.
Insurance Companies Exist for One Primary Reason
The bottom line is that insurance companies are in business for one primary purpose – the bottom line. The primary objective of insurance companies in the United States is to make a profit for their shareholders (or members, in the case of a mutual company). Insurance companies enhance their revenue and ultimately profits by limiting the amount of money paid out annually in claims.
As a consequence, an insurance adjuster speaking with an injured person, with a victim of negligence, has one goal in mind. That goal is to obtain a statement from an injury victim that can be used as a tool to limit an insurance company’s financial responsibility in a particular case.
Take a Proactive Stance to Protect Your Vital Legal Interests
An attorney will provide you a case evaluation during an initial consultation. As a matter of practice a lawyer typically charges no fee for an initial consultation following an accident that gave rise to injuries, damages, and other losses.