Insurance Adjusters are not your friend!
It’s something we see all the time – a person who has suffered injuries in a car accident received a phone call from the other driver’s insurance company at some point after the accident.
The insurance company representative seems very nice and very helpful. They seem like they just want to ask a couple of questions, maybe talk a little bit about what happened during the accident. In fact, they seem genuinely concerned.
Don’t be fooled.
An insurance adjuster who calls you after an accident has only one thing in mind. To help the insurance company maximize its profits by paying out as little as possible on your claim, or, in the best case scenario for them, deny your claim completely or just make it go away. The law in West Virginia is very clear – the “other guy’s” insurance company does not owe you a duty to act in good faith toward your claim.
Insurance adjusters are well trained and most are very good at what they do. They’ll use all sorts of devices to see if they can get you to admit some level of responsibility for the accident; they’ll discourage you from retaining a lawyer; they may offer a low-ball settlement and declare that it’s the absolute best offer you will get; they’ll tell you that the courts are all back up and that it will take years for you to get any money if you don’t accept their offer. The list goes on and on.
So, what’s your best recourse if you or a loved one receives a call from an insurance adjuster who “just wants to talk” or wants you to give them a recorded statement? Politely decline the offer and make an appointment for a free consultation with an experienced personal injury attorney to make sure that your rights are protected.