The insurer creates a new file for each new claimant. Each of the created files gets handed to one of the insurance company’s adjusters.
Tasks assigned to an adjuster that has just received a claimant’s filed information
Discuss the accident with the claimant and defendant; sometimes an adjuster also speaks with one or more of the witnesses. Study the details in the police report; pay attention to any information that could suggest negligence on the part of the defendant.
Personal injury lawyer in London will arrange for investigation of the site where the vehicles collided to determine who should be held liable for the damages. They will negotiate and settle the submitted claim. It is important to deal with the claimant’s questions. Explain the need for any delay in the ability to answer a question. Indicate when an answer should be available.
Do all of the above, while trying to save the insurance agency some money. In other words, strive to have the pay-out be as small as possible. The above list of tasks should be studied by any victims with a 1st party claim, as well as those with a 3rd party claim.
Suggested actions for claimant
Share with the adjuster only the most basic facts about the accident-linked injury. Do not share any details until the doctor has released the information in your medical records.
The details could be shared later in a letter, one that would be sent to the adjuster’s office. Take notes while making contact with anyone in the insurance company, or while making contact with the defendant. Record the date and time of those same conversations
Consider hiring a lawyer, if someone has suffered a serious injury, or if the adjuster has alleged that there are grounds for charging comparative negligence on the victim’s part.
Actions that all claimants should avoid
Do not assume that all the occupants of an impacted vehicle have escaped unharmed, just because the driver has not been injured.
Do not agree to provide the adjuster with a statement until after obtaining all the reports on your injuries and the prescribed treatment
Do not admit fault.
Do not guess at the facts: If unsure about certain information, say that you do not recall all of the details.
Do not exaggerate the facts when speaking about the accident.
Do not lie. If you repeat the facts, you limit the chances for allowing some inconsistency to enter your story. A defense attorney would note the emergence of an inconsistency, and could allege that you had been lying.
If you suffer with a chronic condition, do not let the adjuster pretend to know everything about the same condition. If possible, have your personal injury lawyer speak with an expert, a specialist in the field related to your condition.