Talking to your insurance adjuster after a motorcycle accident is not something that should be taken lightly. Whether you were involved in an accident, or have been contacted by their underwriters, here are ten tips for talking to your insurance adjuster.
- Stay Calm and Respectful
Adjusters will try to talk to you as quickly as possible, so make sure you listen carefully and ask them questions if they go too fast for you.
- Get the Adjuster’s Name and Contact Information Immediately
There are various ways on how to deal with motorcycle insurance adjusters, you can contact them directly with questions or concerns without having to wait for an insurance adjuster to get back to you.
- Give Minimal Information
Let the adjusters know what happened so they can look into it and do their job, but don’t share personal details or anything that could be used against you in court.
- Do Not Give a Recorded Statement Unless You are Required to Do So by Your Insurance Policy
Avoid using written documents that can be misconstrued, as they will give your insurance company a written statement you may regret later.
- Seek Medical Attention Quickly
If you’re injured in an accident, you must get medical attention as soon as possible. Your injuries may be more severe than you think and could lead to long-term complications if you delay treatment.
- Pause Before Signing Any Papers
It’s important to remember that the insurance company will be looking for any reason to deny your claim. So even if you’re not sure exactly what happened, it’s essential to pause and think about your situation before signing any papers.
- Don’t Discuss the Details of the Accident
You should never discuss the details of the accident or the scene with your insurance adjuster unless you are required by law to do so. This is because they may try to use that information against you in court if you do.
- Resist Pressure to Settle Immediately
If you’ve been hurt and your insurance adjuster is pressuring you to sign a quick settlement agreement, that’s usually a sign that they don’t know who was at fault for the accident. They may also be trying to get out of paying for damages on your behalf by forcing you into an agreement that doesn’t consider the full extent of what happened.
- Stop Talking About Injury Symptoms
When you’re talking to your insurance adjuster after a motorcycle accident, don’t talk about your symptoms. Instead, share what you can do and how you feel about the situation. Insurance adjusters are trained to help people understand how the accident happened and who was at fault, and they can’t do that if you keep telling them how your leg hurts or how sore your arm is. You may have a lot of injuries, but try not to dwell on them and focus instead on what happened in the crash.
- Get an Attorney
An attorney can help you fight for the money you deserve from the other driver, and this will also help you get compensation for any injuries that may have occurred as a result of the accident.
Communicating with your insurance adjuster is a two-way street. The adjuster needs the information you have to assess and settle your claim, and you need the adjuster’s help to get your bike back on the road as soon as possible.