After an accident, you will likely hear from an insurance adjuster quickly. Adjusters can sound friendly, but their job is to resolve your claim for as little as possible. Knowing how they operate helps you protect your Washington claim.
Common Adjuster Tactics
Adjusters may request a recorded statement, ask you to sign broad medical authorizations, or make a fast lowball offer before you know the extent of your injuries. Each tactic is designed to limit what the insurer pays.
They may also use friendly small talk to get you to minimize your injuries or admit partial fault — which matters under Washington's comparative negligence rule.
What You Don't Have to Do
You are generally not required to give a recorded statement to the other driver's insurer, and you do not have to accept the first offer. You can decline broad medical record requests that reach far beyond the injury at issue.
Politely declining and referring the adjuster to your attorney is often the safest move.
Leveling the Playing Field
Insurers handle thousands of claims and know exactly how to minimize them. An attorney who handles these cases daily can match that experience and protect the value of your claim.
A free case review can help you understand your rights before you speak with an adjuster again.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Washington attorney.