The adjuster is friendly, but their job is to pay you as little as possible. Here is how to protect yourself when the insurance company calls.
Remember Whose Side They Are On
An insurance adjuster works for the insurer, not for you. Their goal is to close your claim quickly and cheaply. Common tactics include a fast lowball offer, a request for a recorded statement, and questions designed to get you to minimize your injuries or accept blame.
What to Be Careful About
You are usually not required to give the other driver's insurer a recorded statement, and doing so can hurt your claim. Avoid speculating about fault or the extent of your injuries. Do not sign a release or accept a settlement until you understand the full scope of your injuries.
Leveling the Playing Field
An attorney can handle all communication with the adjuster, protecting both your health and the value of your claim. Under Vermont's comparative negligence rule, even small admissions can be used to reduce your recovery.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599 or request your review online and a specialist will reach out within the hour.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Vermont attorney.