All personal injury claims in Gaithersburg or surrounding area immediately receive the attention of insurance companies eager to minimize their financial obligations to victims. Once the insured or the injured person opens a claim, an insurance adjuster gets to work to investigate the facts of the accident and try to negotiate settlement of the claim. To protect yourself, make sure you have a good accident attorney to help you navigate insurance company demands. Read on to learn more about what role insurance companies and adjustors play in personal injury cases.
Speak to the Insured Party
An insurance adjustor’s first step is to speak to the individual covered by their insurance policy. If the insured individual has suffered personal injury in a car, truck, boating, or other accident, the adjustor will ask for a recorded statement describing the accident and all injuries.
Request Official Records
Car accidents are generally accompanied by police reports and accident reports drivers file with the state department of motor vehicles. An insurance company will request copies of all these documents as they begin to build their file.
Request Additional Documentation
Once the claim has been filed, the adjustor generally identifies him/herself, explains applicable policy limits, and asks the claimant or claimant’s personal injury attorney to provide documents that may be relevant to the claim. For example, an adjustor may ask for medical bills, medical records, proof of earnings, and proof of property damage.
Investigate Injured Persons
If you are the victim of an accident, the individual who caused your personal injury most likely has his insurance company investigating you. The opposing insurance company will look for any information that might defeat your claim or lower its value. For example, the company may Google you or examine insurance claims databases to see if you have ever filed a personal injury claim before. Adjustors may call your employer to find out how you are doing back at work. They even access accident victims’ Facebook pages to see if they have posts that suggest they are not truly injured.