After a Herndon car accident and injury you can be sure to get a call from an insurance adjuster—probably at a totally inconvenient time—who will offer you a dollar amount for damages related to the crash. This offer will be a great deal for the insurance company and could be tempting to accept. However, it is vital to understand that this offer should be seen as the beginning of negotiations, not the final solution.

What should you do when an insurance adjuster calls you with a settlement offer?

  • Understand that you have plenty of time to act. Insurance adjusters are going to pressure you into accepting a deal as quickly as possible and they may do this by injecting a sense of urgency into the conversation. Know that you have lots of time to make your decision and that silence may be the best answer to an initial offer. When in doubt say, “Let me think about it.”
  • Know how much you need and deserve before agreeing to a settlement. It can be tempting to accept an offer, especially if you need the money and they are suggesting writing a check for thousands of dollars. However, you have to remember that this settlement is the only money you will get to pay for all of your accident and injury expenses. Be sure you know how much your injuries cost you before you agree to a deal. And keep in mind future medical costs as well.
  • Don’t get intimidated. Insurance adjusters are trained to cultivate fear and doubt—anything to make you agree to a deal. Be confident when you talk to them and realize that you have the power. And know that the more knowledge you have, the more confident you can be.
  • Know that adjusters play games to get lower settlements. Insurance adjusters have dozens of tricks up their sleeves—some legal, some borderline legal, and some illegal. If you are familiar with their common tactics (such as calling at odd hours) you will be better equipped to deal with them successfully.

You may or may not need the assistance of a Herndon personal injury attorney as you settle your Virginia car accident claim. To find out more about your case, or to learn more about whether your settlement amount is fair, contact Ben Glass today:  (703) 584-7277. 

What a fantastic piece of information, many people always feel obliged to make a decision ASAP when insurance adjusters call them. Make sure then that you take your time because the worst decisions are made when you rush.
by onesureinsurance February 20, 2013 at 07:59 AM
Great advice.
by Michael Herman, M.D. February 11, 2013 at 09:58 PM
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