After a Car Accident: What Your Insurance Adjuster Needs to Give You

Dealing with an insurance adjuster can be a difficult and frustrating experience.  It may seem that the adjuster is trying to find ways to make you at fault for the accident or to make it sound like you were not hurt, when you really were.  That’s because the adjuster probably is.   With this in mind, it’s important to ask, at a minimum, the following five questions from an insurance adjuster after your car accident:

  1. Ask the insurance adjuster for a copy of their insured’s insurance policy, declaration sheet, or something in writing to tell you the policy limits of their insured.  This tells you the amount of money the insurance company has to pay your claim.  People who have been seriously injured in an accident must have this information provided to them to make sure they are fully compensated.  If they cannot get this information, they should speak with an attorney.
  2. Ask the insurance adjuster for a copy of their insured’s recorded statement and the statements of any witnesses to the car accident.  (Most insurance companies will not give you this information, but they will ask to record your statement.)
  3. Ask the insurance adjuster if there is any secondary insurance or umbrella policy available and how much it is.  Again, personal injury claimants who have been seriously injured in an accident must have this information. 
  4. Ask the insurance adjuster to put in writing that the accident was not your fault and that it was the fault of their insured.  (The insurance company almost certainly will not do this, even if the accident was clearly the fault of the other driver (their insured)). 
  5. Ask the insurance adjuster for copies of any medical, financial, or credit information they have obtained about you.  Insurance companies will ask you to sign a medical release and perhaps other releases.  Be sure to read the medical release.  The medical release will entitle them to obtain information about you that most likely is not relevant to your personal injury claim, such as any mental health or substance abuse treatment.  Do not be afraid to cross these portions off on the release before returning the release. 

If you are currently dealing with an adjuster in a personal injury claim, and have some questions, feel free to call the Law Office of Ben Crittenden.  We would be happy to speak with you.  You can contact us at 907-771-9002 or visit our Frequently Asked Questions page or other posts on this Blog.  The other personal injury pages on our website discussing Car & Motorcyle Accidents, Wrongful Death, and Child Injuries have helpful information as well.

Ben Crittenden
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Passionately devoted to advancing his trial techniques and communication skills on behalf of injured victims.
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