If you have been injured due to someone’s negligence or carelessness, you may have filed a claim with their insurance company for compensation. Typically, an insurance adjuster who is an employee of that insurance agency will try to reach you to discuss certain aspects of the claim.
Your Version of the Facts
A claim adjuster will want to discuss your account of the accident that led to your filing a claim. Be prepared to explain the situation by including the date, estimated time of the occurrence, any witnesses, and how you responded afterward, such as calling the police or seeking medical attention. If the vehicle that was involved in the accident is with you, the adjuster might take a look and get some photos. You can also share pictures that you have of the car damage if the vehicle is in the shop being repaired.
Detailed Description of Injuries or Losses
Injuries you have sustained as a result of an accident will likely form a major part of the claim. When you meet with the adjuster, include information like medical evaluations, treatments, prescriptions, and therapies. It may help to prepare a written timeline or notes about the event so that you won’t forget anything important. Stick to clear details rather than speculations about what happened to avoid clouding the issues.
Assessment of Damages
Meeting with you, the claim adjuster will get an idea of the extent of the damage to the vehicle and injuries to you that may be eligible for compensation. The adjuster may ask questions and request clarification of information provided to establish a clear record of what happened. Losses related to the claim could include lost income and other financial setbacks that may be factored into the claim.
Discussions with the insurance claim adjuster will help to determine the scope of the claim and its various components. These may include vehicle repairs, personal injury, and any property damage of items in your car that were impacted by the accident. These could be things like an infant’s car seat or new furniture in the trunk that you had just bought. Mainly, though, the claim will focus on potential compensation for you, any passengers, and the vehicle.
Auto accidents are often traumatizing. When a claim adjuster tries to reach you, be willing to meet and discuss the accident and its effects. The sooner a clear record can be established, the quicker the claim can be settled.