When you suffer injuries in an accident, you have the right to file a claim against the negligent party and recover damages. As part of the personal injury claim process, you will have to deal with insurance adjusters. Insurance adjusters may have different job titles, but all do the same job. If you have suffered a personal injury and plan on filing an injury claim in New Jersey, there are some crucial things you need to know about insurance adjusters and your New Jersey personal injury claim.
An insurance adjuster might be an employee for the insurance company, or they could be freelance. Regardless of whether an insurance adjuster works directly for the insurance company or is freelance, they all do the same job. It is the insurance adjuster’s job to determine if the other party is indeed liable for your accident. For the other party to be deemed liable for your accident, they must have done or failed to do something that resulted in your accident and it must be a covered event under their insurance policy.
Suppose an insurance adjuster determines that the other party is to blame for your accident and your accident is an event covered under the other party’s insurance policy. In that case, the adjuster will file a report with the insurance company detailing their determination of fault and their valuation of your claim. On the other hand, if the insurance adjuster determines that the other party is not to blame for your accident, your claim will be denied, and you will receive written verification of this denial.
That is the role of an insurance adjuster, but the reality is that adjusters are primarily focused on settling claims as fast as possible, for as little a sum as possible. The insurance adjuster works for the other party’s insurer even if they are freelance and insurance companies are in business to make money.
As already mentioned, an insurance adjuster works for the insurance company. An insurance adjuster might tell you that they have your best interest at heart and will do everything they can to settle your claim fast for its full value. However, the reality is that insurance adjusters are fully committed to the insurance companies they work for.
When an insurance adjuster gives you an initial settlement offer, do not be quick to accept it because the first offer is usually a low-ball one. It is always best to speak to an experienced attorney before taking any settlement offer from an insurance adjuster to avoid accepting less than you deserve.
Andrew S. Prince of the Team Law firm can help prevent insurance adjusters from denying your valid injury claim. He can stop insurance adjusters from tricking you into accepting less than you deserve. Contact Andrew Prince today to schedule a free consultation. We have an office conveniently located at 136 Central Avenue, Clark, New Jersey 07066, as well as an office in West New York, NY.
The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly.