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Should I talk to the adjuster?

Our basic advice is no, at least not until you have viewed one of our books or spoken with an experienced personal injury lawyer in your area. The justification is that these insurnace adjusters are trained in questioning and they’re seeking to reduce or do away with your entire claim.

You certainly don’t want to talk to them while you’re under the influence of medication or while you’re still in a healthcare facility. Again, always be polite, you can tell them that you are still treating and that you’ll get back to them later.

Should I sign the forms?

Typically an insurance adjuster will be sending you medical privacy waivers. These authorizations tend to be very broad and they deliver to the insurance company your of health related information. They might receive 10 or fifteen years of your confidential record without you knowing! We suggest getting your own records first and making sure they’re accurate before sending those records to the insurance company.

The second form they’ll I often ask you to sign is a release. They may even send you a check. Know that once you sign a standard release, that is the end of your claim. If you need care later for injuries caused by the accident, the insurance company is not going to pay for it.

Who will pay my doctor bills as they are accumulating?

Number one, use your own health insurance policy first. It’s primary, it should pay the bills. The last thing you want is to have the medical bills go unpaid and have them send you off to collections. Also, you may have a type of coverage on your own car policy called Medical Payments coverage.

Typically, people will have an amount of $2k, $5k, or $10k. Review your insurance policy and check for "med pay" or Medical Payments coverage and submit all of your bills to your insurance company. Finally submit your bills to the insurance company of the person who caused the accident. However, the other insurance company is not going to pay for the bills until the end of the claim.

You can order a FREE copy of our consumer guide, The Five Deadly Sins That Can Wreck Your Injury Claim, to learn more about personal injury claims in Chantilly, VA.

If you have a question for Ben, you can submit it confidentially online at

Ben Glass
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Ben Glass is a nationally recognized car accident and ERISA disability attorney in Fairfax, VA.