10 Things to Do When an Insurance Adjuster is Being Difficult 

We’ve all been there, dealing with a difficult insurance adjuster who is one of the most uncooperative people on the planet, all while navigating the complexities of a car accident. Insurance adjusters are trained on what to say to their policyholders, and encountering resistance from them is not out of the ordinary. Let’s take a closer look at some tips when dealing with a difficult insurance adjuster and also why it’s best to let your attorney take care of it.

Stay Calm and Patient

Difficult insurance adjusters are incredibly common; therefore, it’s critical to remain calm and composed when speaking with them. Losing your temper or becoming frustrated might only worsen the situation and make reaching a resolution more difficult. If you find yourself getting frustrated, remember to take deep breaths and remind yourself that patience is key when dealing with these adjusters.

Understand Your Policy

Before even getting on the phone with your insurance company, it’s important to review your insurance policy so you understand your coverage and terms and conditions. This will help you during negotiations and better help you argue your point effectively.

Document Everything

Make sure you keep detailed records of communication with your insurance adjuster, such as phone calls, emails, and written correspondence. Keep detailed notes during your conversations with the adjuster, and make sure you take note of the most important points. This will be extremely valuable if you have to dispute your claim with your attorney. 

Be Assertive

Although it’s important to be polite, you should also be a little assertive when speaking with insurance adjusters. Clearly communicate your concerns and expectations to your adjuster; however, it is important to avoid being confrontational or aggressive toward the adjuster.

Request Clarification in Writing

If you’re talking with the insurance adjuster, and they are providing you with unclear information, it’s important to request clarification in writing to avoid any type of confusion. The makes the terms and conditions of the requests clear, reducing any type of misunderstandings later on in the process.

working with insurance adjusters

Know Your Rights

It is important to familiarize yourself with your rights as a policyholder, such as the right to appeal a claim or dispute an initial settlement. In some cases, insurance adjusters may act in bad faith and violate your rights. If this is the case, we recommend seeking legal counsel to help you throughout the process. 

Consider Seeking Legal Counsel

Dealing with insurance adjusters on your own can be extremely daunting, especially when you consider that they have been specifically trained to provide you with a lower settlement. We recommend seeking legal counsel so they can guide you in the right direction and ensure your rights are protected. 

Don’t Rush to Accept Settlement Offers

As we mentioned before, insurance adjusters are trained to offer you the lowest settlement possible for your claim; therefore, it is important not to accept the first offer they send your way. Instead, look at each settlement offer carefully and make sure that you are adequately compensated for your losses. The insurance adjuster will likely try and pressure you into a settlement, however, take time to review it. Mutrux Firm is experienced when it comes to negotiation and can help you throughout the process if you need legal counsel. 

Escalate the Issue If Necessary

If you have tried to resolve the issue and you’re not getting anywhere, you should then escalate the issue to the higher ups within the insurance company. Speak to a supervisor or file a formal complaint with the customer service department, and remember to be persistent. You deserve a fair settlement.

insurance company negotiations

Know When to Seek Legal Counsel

Is the insurance company continually acting in bad faith despite several attempts to settle? In this case, you might want to seek legal counsel, such as Mutrux Firm Injury Lawyers. Get in touch with a highly qualified attorney, as they will be a skilled negotiator and know the tricks insurance companies use to undermine you. 

Why You Should Let Your Attorney Negotiate

If you were involved in a car accident or any other type of legal dispute, it is important to know the ins and outs of how insurance companies operate. This will allow you to negotiate for the highest amount possible. It’s a fact that nobody knows how to negotiate with your insurance company like an attorney. Let’s check out a few reasons why you should let your attorney handle the insurance adjuster.

Legal Expertise

Your attorney knows about the complex legal system and it operates, especially when it comes to insurance claims. They know how to interpret complex policies, identify applicable laws, and leverage legal precedents to secure a settlement for their clients. By getting in touch with a qualified attorney, you will have a better chance of securing a satisfactory settlement. 

insurance adjuster negotiations

Maximizing Compensation

Insurance companies are known for lowballing their policyholders to minimize their financial burden. Without being properly represented by an attorney, you could risk accepting settlements that do not come close to covering your damages. An attorney is a skilled negotiator who can assess the true value of your claim, and support your case with hard evidence to help you maximize compensation.

Leveling the Playing Field

The primary goal of insurance companies, from the adjusters to the legal adjusters who are trained to protect the company’s bottom line. With the help of an experienced attorney, you can level the playing field and protect your rights, ensuring that your voice is heard. 

Navigating Complex Procedures

Insurance claims are extremely complex, including lots of paperwork, deadlines, and legal proceedings, which can be extremely overwhelming, especially when you’re trying to recover from an accident. Your attorney will help you navigate the legalities of your case and ensure you receive the fair settlement that you deserve.

Mitigating Risk

Negotiating with an insurance company can be risky without a skilled attorney at your side. It’s important to know your rights and the legal implications of accepting a settlement. Your attorney will act as your advocate and carefully review any settlement offers, advising you throughout the process. 

Peace of Mind

Dealing with insurance companies can be extremely stressful and time-consuming, especially when you’re trying to recover from your injuries. By having a skilled attorney by your side, you’ll have the peace of mind that a skilled professional is handling your case. From negotiations to potential litigation, your attorney will be with you through it all, while you work on rebuilding your life.

after a car accident

Let Mutrux Firm Help You Deal With Difficult Insurance Adjusters

At Mutrux Firm Injury Lawyers, we highly recommend not talking to an insurance adjuster without your attorney present. Your attorney knows how to negotiate with the adjusters and will argue for a higher settlement, providing you with the resources you need for your recovery. Get in touch with Mutrux Firm Injury Lawyers to learn more about how we can help you get the compensation you deserve and reach a settlement that we can all agree on. Contact us at (888) 550-4026 or contact us here for a free consultation.