Tips For Speaking With an Insurance Adjuster After Your Truck Accident\r\nAfter a truck accident, one of your first moves will be to call your insurance company and file a claim. The truck driver will do the same, filing through the trucking company\u2019s insurer. You will typically receive a phone call from an insurance claims adjuster in charge of investigating the accident within a day or two of the crash.\r\n\r\nYour conversation with this person is a minefield most accident victims aren\u2019t prepared to navigate \u2013 often resulting in settlements that don\u2019t come close to the true value of the claims. Here are tips for protecting your rights while speaking to a claims adjuster, from an experienced Florida truck wreck lawyer.\r\n\r\n\r\n\r\n \r\n1. Never Admit Fault\r\nFrom the moment you step out of your car at the crash scene onward, never admit fault for the wreck. Do not say you\u2019re sorry to the truck driver or in any way place blame on yourself.\r\n\r\nConversations with the other driver, police officers, and especially insurance companies should never involve you admitting you were at fault for the accident.\r\n\r\nThis will protect you from taking more than your fair share of blame in the likely event that\u00a0more than one party\u00a0contributed to the collision. Instead, wait for official investigations and court proceedings to assign fault.\r\n2. Stay Calm and Collected\r\nIt can be intimidating to speak with an insurance adjuster \u2013 especially when you\u2019re already shaken from the crash. It\u2019s important, however, to remain cool, calm, and collected while on the phone with an adjuster. You need to have a level head and keep track of what to say and what not to say during your conversation.\r\n\r\nIf you\u2019re not in a state to do so, don\u2019t answer the call until you are. If you have serious qualms about tackling the conversation altogether, entrust the task to a truck wreck lawyer instead. What you say during your conversation can greatly impact the state of your claim.\r\n\r\nOur recommendation at Bulluck Law Group is that you have your truck accident lawyer get on the phone and navigate this conversation for you. They will know how best to handle the conversation in order to protect your rights and ensure the best compensation for the client.\r\n3. Understand the Adjuster\u2019s Bottom Line\r\nIt\u2019s important to understand where the claims adjuster stands in regard to your accident claim, as well as their objectives for the conversation. The insurance adjuster works for the insurance company, not for you. His or her main goal is to get you to settle your claim for the least amount of money possible.\r\n\r\n\r\n\r\nGo into the first phone call knowing that the adjuster probably knows less about your case than you do and that he or she will try to encourage you to settle quickly and probably for less than you could receive with a personal injury claim or a lawyer\u2019s help.\r\n4. Stick to Facts and Basic Details\r\nThere is no rule that says how much you have to divulge to insurance claims adjusters. While you should always be honest, you do not have to give them any more information than they request. Answer questions truthfully, but do not speculate about what happened, what caused the crash, or who is to blame. Here are some tips on things not to say on your phone call.\r\n\r\nSimply state things you know to be true, such as how fast you were driving and where the crash occurred. Do not give your insurer or the truck company\u2019s insurer any of your own opinions about the accident. Feel free to tell an adjuster you don\u2019t feel comfortable answering a question that seems in any way subjective.\r\n5. Refuse to Record or Write a Statement\r\nAn insurance claims adjuster will almost always attempt to get you to agree to record a statement about your truck accident. Politely decline this request. If the adjuster records a statement, they can \u2013 and likely will \u2013 use it against you later. If the adjuster says you must record a statement to proceed with your claim, hang up and call a Florida truck accident lawyer.\r\n\r\nDo\u00a0not\u00a0record a statement or even talk about your personal injuries until you\u2019ve spoken to an attorney. You may not have all the facts of your case, and the things you say could reduce your chances for compensation. Make it clear to the adjuster from the beginning that you will not be discussing too much over the phone. Give limited information in your first conversation, and set limits on how often the adjuster can call you in the future.\r\n6. Resist the Urge to Say Yes to a Fast Settlement\r\nQuick settlements save the insurance company time and money, but they are typically not in the claimants\u2019 best interests. Your claim\u2019s value could be much greater than what the adjuster initially offers. Don\u2019t take the bait. Stay strong and reject quick settlement amounts until you know how much your claim is really worth.\r\n\r\nValuating your claim is something an\u00a0attorney can do for you, often during a free case evaluation.\r\n7. Keep a Record of Your Conversation\r\nKeep track of important information about your phone call with the insurance adjuster. Ask with whom you\u2019re speaking, and write down the name, telephone number, address, and company he or she represents before you start your conversation.\r\n\r\n\r\n\r\nTake notes during your conversation, jotting down information the adjuster gives you as well as what information you gave him or her. The more you can recall about your discussion, the more you can help your truck wreck lawyer in the future.\r\n8. Always Talk to a Truck Accident Attorney\r\nTalking to a truck insurance company\u2019s adjuster after a wreck is a big deal. Don\u2019t take it lightly and don\u2019t underestimate the importance of watching what you say during the initial conversation. It is always a good idea to contact a Florida truck wreck lawyer for advice prior to speaking to an insurance claims adjuster.\r\n\r\nA lawyer helps the entire process feel much less intimidating. Your attorney can act as a buffer between you and the adjuster, protecting your rights as a victim and fighting for maximum compensation.\r\n\r\nTo learn more about truck accidents, read our\u00a0A Comprehensive Guide for Truck Accident Victims.