Getting into a car accident is stressful enough. Dealing with the other driver's insurance company afterward can feel like a second collision. Understanding how these companies operate can protect you from making costly mistakes during the claims process.
Why Adjusters Call So Quickly
Insurance companies know that the immediate aftermath of an accident leaves people vulnerable. You might be in pain. Confused about what happened. Or simply grateful that someone's reaching out to help. This is exactly when adjusters want to get you on the phone.
They'll ask you to give a recorded statement about the accident. They may ask leading questions designed to get you to accept partial blame or downplay your injuries. Once recorded, these statements become part of your permanent claim file. And they can be used against you later. You're not legally required to give a recorded statement to the other driver's insurance company. In fact, it's usually better to decline until you've spoken with a Columbus car accident lawyer who can advise you on how to proceed.
Common Tactics Used By Insurance Adjusters
Insurance adjusters are trained negotiators. Their job? Settle claims for as little money as possible. They're good at what they do because they've handled thousands of these cases. You probably haven't. Be on the lookout for these common strategies:
- Requests for a recorded statement
- Offers of a quick settlement that sound reasonable
- Asking for access to your complete medical records
- Suggesting that you don't need an attorney
- Implying that if you don't settle quickly, you might receive nothing at all
These tactics work because most people have never dealt with a serious accident claim before. What sounds like a fair offer might actually be a fraction of what your case is worth, especially if you have ongoing medical treatment or you've missed work.
What You Should And Shouldn't Say
When an adjuster calls, keep your responses brief. Factual. Provide only basic information such as your name, contact details, and the date and location of the accident. Don't speculate about what caused the crash. Don't volunteer information about your injuries beyond the basics.
Avoid phrases like "I'm fine" or "It was partly my fault." Even casual comments can be used to reduce your compensation. If the adjuster asks about your injuries, it's appropriate to say that you're still being evaluated by medical professionals. That's honest and protects your interests.
Never sign any documents or authorize the release of medical records without reviewing them carefully. Brenner Law Offices can review any paperwork before you sign to make sure you're not waiving important rights.
Understanding Ohio's Comparative Fault Rules
Ohio follows a modified comparative negligence system. This means that if you're found to be 51% or more at fault for the accident, you can't recover any damages. If you're less than 51% at fault, your compensation will be reduced by your percentage of fault. Insurance adjusters know this rule well. They'll try to assign as much blame to you as possible. Even if you think you might have contributed to the accident in some small way, don't admit fault. Let the evidence speak for itself.
When Settlement Offers Come Too Early
Insurance companies often make quick settlement offers before you've finished medical treatment. They hope you'll accept a check and sign a release before realizing the full cost of your injuries. Some injuries take weeks or months to fully manifest. Back pain, neck injuries, and even traumatic brain injuries may not show their full impact immediately. Accepting an early settlement means giving up your right to seek additional compensation later, even if your condition worsens. That's a permanent decision you can't undo.
A Columbus car accident lawyer can evaluate whether a settlement offer reflects the true value of your claim. That includes future medical expenses, lost wages, and pain and suffering that you might not have considered yet.
Protecting Your Rights After An Accident
Dealing with insurance companies requires caution and preparation. Document everything related to your accident and injuries. Keep copies of all correspondence with the insurance company. Don't feel pressured to make quick decisions. You have time.
If you've been injured in an accident and the other driver's insurance company is contacting you, consider speaking with an attorney who handles these cases regularly. Legal guidance can help you avoid common pitfalls and work toward fair compensation for your losses. Contact us today to discuss your case.