Hi, Jeff Marion here. Welcome back to my YouTube channel. You’re injured in a crash or in a fall. You’re likely going to be dealing with an adjuster or representative from the insurance company that represents the party that
caused your injury in the first place. And I’m going to tell you how to interact with that particular adjuster in a way that’ll help your case. This channel is dedicated to helping you navigate the complex area of personal injury law. We have new videos every Sunday. So click on the logo in the corner to
subscribe. I’ve been fighting for people who’ve been injured in crashes and falls and by unsafe products for over 25 years, I’ll help keep you safe, healthy, and informed. We’re going to look at how you should talk to the adjuster and how you should deal with the adjuster from the insurance company who
represents the party that hurts you. A lot of these are just going to be very simple and they’re just going to be what to be. And the first one is to be nice, but be firm, Don’t Be afraid to advocate for yourself, but always make sure that you’re polite. Don’t get into shouting matches. Don’t get upset. If the adjuster says that you don’t have a claim that their party didn’t do anything
wrong or offers you a small amount of money, it doesn’t mean that to not be firm with them and say that you believe that their insured caused the problem and that you’re entitled to recovery. But again, the old saying that you can catch more flies with honey than vinegar applies very much here.
Second be open-minded. And by that, I mean to listen to what the adjuster is telling you, listen to what facts they give you, what they say to justify why they’re unwilling to pay a certain amount, why they’re unwilling to admit any liability in the claim and make sure that you’re paying attention, take notes if
you have to, but in this case be open-minded and be a good listener. The next thing is to be inquisitive, ask open-ended questions. Always ask a “who” or “what” or a “how.” Don’t ask for a “why?” You may get an explanation that
you don’t want to hear, but ask, if you get a low offer, how does that affect me? How am I supposed to live on that? What am I supposed to do with that offer? How do you value my injury at that number? What is it about this claim that you can’t make an offer? And then go back to the previous step and be a
good listener and be open-minded and listen to what the adjuster is saying. Try to get them to talk and get them to tell you facts. Make sure you’re taking notes about what they say, because you may need them. If you do talk to an attorney later on down the line, the next important thing to be is to be
prepared. Now, my track coach in high school, Jim Roland, he had what he used to call the “Five P’s,” Proper Preparation Prevents Poor Performance, and that applies here. So make sure that you’re prepared, make sure that you’ve read over the incident report or the police report. Make sure you’ve
got all of your dates of treatment, make sure that you know what happened when and what tests you’ve had, make sure that you know, what your condition is. So be ready to talk to the adjuster and to know your end of the case and to know what’s going on and to know what was said. So if you don’t
do those things, you will perform poorly in that conversation. So make sure that you are prepared. The fifth thing is to be skeptical, is the insurance carrier for the other side, going to handle your claim quickly and fairly?
Absolutely not. There is no scenario where they’re going to do that. They are looking at this as a loss. In fact, there are insurance carriers who view any claim that they pay out. They actually call it a loss. The idea that you’re in good hands or that an insurance company is a good neighbor is something
you should get out of your head as quickly as possible. They’re not going to tell you all the facts. They’re not going to tell you if their insured admitted that they did something wrong. They’re not going to tell you how much money they have to pay your claim. They may not tell you how much other
insurance is out there. Um, they’re really going to try to get you to sign on the dotted line on as small a settlement as humanly possible. So be skeptical of anything that they tell you. If they tell you, you don’t have to have a claim that they didn’t do anything wrong. Be skeptical of that. If you’ve prepared and
you know the file and they try to tell you that you’re at fault and you’re not because you were stopped at a red light or you were in a parked car on the side of this road or whatever it is be skeptical. Next thing is be prompt. If the adjuster calls you and leaves a message, call the adjuster back right away.
If you do agree, a time for a teleconference, make sure that you call and you’re on time for the teleconference. That’s something that ultimately the adjuster is going to appreciate. It’s going to help you in resolving the case. Be responsive is the next thing. If the adjuster asks for certain medical
records or authorizations to get medical records, or needs photographs that you’ve taken or statement, that you’ve gotten from a police officer or something along those lines or a copy of the police report