Being a victim of a motorcycle accident is an extremely traumatizing experience. On top of receiving medical care, assessing property damage, and filling out a wide variety of claims and forms, you will also have to speak to your insurance company. And more often than not, victims are not prepared for that conversation.
More often than not, that conversation with the claims adjuster is taking place over the phone. Our Cooper City motorcycle accident attorney from Law Offices of Bradley S. Hartman, P.A., must warn you straight away that the claims adjuster is never on your side, no matter how convincing he/she sounds and/or trying to gain your trust.
Above all, every claims adjuster works for his or her employer (which is the insurance company), and he/she represents the best interests of the employer. Insurance companies are no strangers to paying victims of motorcycle accidents as little as possible or looking for ways to deny personal injury claims altogether.
How to prepare for a phone conversation with the insurance company?
It is highly advised to prepare for your phone conversation with the insurance company after a motorcycle accident in advance:
- Schedule the conversation for a time and place where you will feel comfortable and not rushed into making unwise decisions (more often than not, a quiet place in your own home is the best place for this conversation).
- Let an experienced motorcycle accident attorney in Cooper City or elsewhere in Florida help you with notes and gathering sufficient evidence to prove the other party’s fault.
- Prior to the conversation with the insurance company, review these notes and evidence provided and collected by your lawyer in order to refresh your memory.
- Let a skilled lawyer help you prepare for the uncomfortable questions that the claims adjuster will most likely ask you during the conversation (and rehearse your answers in advance).
- Make sure that one of your family members or friends is present throughout the conversation for (a) support, and (b) to serve as a witness in the event of any disagreement or dispute.
What to say during a phone conversation with the claims adjuster?
- Be concise and to-the-point in your answers. Abstain from providing more information than necessary. If you keep talking non-stop, the conversation can get out of control, which may prompt the claims adjuster to twist your words and use your words against you later on.
- Be truthful and specific. The last thing you would want is your insurance company accusing you of lying. Do not give the claims adjuster a chance to deny your claim on the basis of giving inaccurate or false information.
- Do not admit fault. No matter what you say, never should you ever sound “guilty” during the conversation, nor should you admit fault. Instead, let a Cooper City motorcycle accident attorney determine fault in your case
- Take notes and put the claims adjuster on speaker so that your friend or family member can do the same.
Our lawyers at Law Offices of Bradley S. Hartman, P.A., also warn that insurance companies often adopt bullying, dishonest, and fraudulent tactics with the intention to limit or deny your personal injury claim.
No matter how your phone conversation goes, avoid accepting any settlement offers from the insurance claims unless you have consulted with an experienced motorcycle accident lawyer in Cooper City or elsewhere in Florida. Also, it is recommended that you say no to voice recording (as we have mentioned above, you would not want the insurance company to use your own words against you to minimize or deny your claim, would you?).