It’s the day after a serious car accident. The events of yesterday are a blur. You are hurting. You are stiff. For many people, the first few hours and days after a serious car accident are a time of increasing pain. Hopefully, you’ve never experienced this. Those who have will understand.
You are hurting. You start to worry about your health. You start to worry about work. You are probably worried about your car. You may have lots of concerns and questions. That’s when you receive the call. An adjuster calls. Often, the adjuster calls with a friendly voice. She wants you to think you are in good hands. She sounds helpful. She may even tell you to send your medical bills and sign paperwork so they can get your records. She hints they will pay the bills if you send them. Don’t believe it. I talk to accident victims weekly. So many of them are misled by adjusters into believing the insurance company wants their actual bills to pay each of them.
If the at-fault driver’s insurance company pays anything for your injuries, they are going to want you to sign a release giving up your claims. So, why is the adjuster calling? Why is she acting friendly at first? The truth — The insurance company is investigating the accident and you. The insurance company is gathering information. And, it will use the information to defend the claim or to pay as little as possible.