A lot of things happen after getting into a car accident in New Orleans. However, one thing most victims don’t expect is getting a call from an insurance adjuster immediately after an accident. It is normal for the other driver’s insurance company to get in touch a day or two after the incident.
During this time, such calls can seem very overwhelming and, to some extent, an intrusion of privacy. Worry not, as this is the standard procedure for handling claims. It is important to consult an attorney to help in following up with your claims. When choosing car accident lawyers in New Orleans, select someone who has extensive experience in the field.
Keep reading to understand why insurance adjusters call immediately after an accident.
Why Insurance Adjusters Call Right Away
The work of an insurance adjuster is to assess damage and determine the amount you will be compensated. They work on behalf of the company; therefore, it is in their best interest to protect their clients. Here are some reasons why insurance adjusters get in touch immediately:
To Quickly Collect Information
Time is of the essence after an accident. The sooner insurance adjusters receive information about the accident, the quicker they can begin to process the claim. This enables them to get important information about the accident and determine the next steps.
To Prevent Fraud
It is common for people to file fraudulent claims and insurance companies are very alert when it comes to this. By reaching out immediately after an accident, insurance companies can verify the accident and confirm police reports and witness statements. This helps companies ensure the claims are legit and not a part of any scam.
To Reduce Costs
Insurance adjusters are trained to minimize costs. When they contact you a day or two after an accident, they will try to resolve the issue quickly without any prolonged negotiations. This benefits the insurance companies, as legal battles can be very expensive and during this period, the full extent of injuries may not yet be determined.
To Assess the Severity of the Accident
Early communication helps adjusters determine how severe an accident is. If the damages are minor, expect a quick settlement offer. However, if the injuries are severe or there is extensive property damage, the adjuster may need time to investigate the issue.
What Insurance Adjusters Want to Know After an Accident
When an insurance adjuster reaches out, they want to know:
- The circumstances of the crash
- The damage to your vehicle and other property
- Information about injuries
- Any police reports or documents related to the accident
It is also common for an adjuster to ask for a recorded statement. While it is important to be truthful, avoid saying anything that could be used against you in the future. This includes a detailed account of the accident or statements like you feel fine.
What to Do After You Receive the Call
The first thing to do is stay calm and avoid making emotional statements or admitting fault. Stick to the facts and don’t provide any unnecessary additional information.
Next, before talking to an adjuster, know your rights and your insurance policy. For example, you are not obligated to accept any settlement immediately, especially if you are not sure about the extent of your injuries.
Lastly, consult a lawyer. If you are unsure about anything, consult an attorney before providing any details. A lawyer will guide you on what to say and help you understand your rights. Most car accident lawyers and personal injury attorneys offer free consultation so don’t hesitate to reach out.
Conclusion
You can expect an insurance adjuster to call immediately after an accident, as this is a standard procedure. However, during this process, avoid sharing any information that can harm your case. Don’t rush into accepting a settlement and contact an attorney as soon as possible.