If you are injured in an accident or on the job, you will probably need to negotiate with an insurance company to obtain the money you deserve and need to recover. This sounds easy in theory, but in reality, insurance companies work very hard to reduce their liabilities. Their major interest is to protect the bottom line and they do so by doing a complete investigation of the accident and the claim. Insurance claim adjusters can be quite ruthless as they conduct an investigation of the accident and injuries.
The insurance investigation typically has the following components:
- Open file: Insurance adjuster will investigate the accident details and the injury to negotiate a settlement.
- Compile evidence: The adjuster will collect evidence, such as statements from the insured, accident report, and official records that exist. The adjuster will want to see documents that prove your injuries and damages.
- Check social media: The insurance adjuster will investigate you and the accident. They will try to unearth negative information about you that can lower the value of your claim. They will investigate if you have filed previous lawsuits and may check social media for evidence that you are not as injured as you claim.
- Recorded statements: Adjusters often ask for a recorded statement from you describing the injuries and accident. A recorded statement is often used to get valuable information from you to reduce the claim value. You should not provide an adjuster with a recorded statement unless you speak to a personal injury attorney first.
- Medical records: These are a vital part of your personal injury claim. Adjusters spend much time looking through bills and medical records to try to reduce the value of the claim. Adjusters may attempt to get your previous medical records so that they can claim you have a preexisting condition that reduces the value of the injury claim. Do not sign a medical authorization to release any medical records before consulting an attorney.