After a car accident in Wisconsin, you will likely need to speak with an insurance adjuster.
Knowing how to handle these conversations can protect your rights and ensure fair treatment.
Understand the adjuster’s role
Insurance adjusters work for insurance companies. Their primary job is to investigate claims and minimize the company’s payout. While they may seem friendly, remember that their goal is to save the insurer money, not to help you.
Stick to the facts
When speaking with an insurance adjuster, only share essential details about the accident, such as the time, date, location, and the parties involved. Avoid giving opinions or making statements about fault. Keep your responses short and factual to prevent misinterpretation.
Avoid accepting quick settlements
After an accident, an insurance adjuster may offer a quick settlement. While this might seem appealing, it could be far less than what you deserve. You have the right to seek full compensation for your injuries and damages. Review all offers carefully before agreeing.
Don’t provide a recorded statement
Adjusters may request a recorded statement about the accident. You are not required by Wisconsin law to provide one. Recorded statements can be used against you later, so it is best to decline politely.
Document all interactions
Keep a record of every conversation you have with the insurance adjuster. Note the date, time, and key points discussed. Written documentation can protect you if disputes arise later in the claims process.
Take control of the process
Communicating with insurance adjusters requires care and attention. By staying informed and cautious, you can avoid common pitfalls and ensure your rights are respected. Effectively dealing with insurance companies is an important step toward resolving your car accident claim in Wisconsin.
