The victim of a personal injury, one caused by an accident, has the right to file a personal injury claim. Once that claim has been filed, the claimant should expect to hear from the adjuster at the other party’s insurance company.
The earliest preparations for the adjuster’s call
Those begin soon after the moment of the collision. Collect the names, contact numbers and insurance companies for all the involved drivers. It is important that you get the names and contact information or any witnesses, as per Personal Injury Lawyer in Waterloo. Take pictures. Do not spend time giving a detailed explanation of what just took place.
How to continue preparations, after leaving the scene of the collision?
• See a doctor as soon as possible. You must see a doctor before you speak with the adjuster.
• Arrange to get copies of all your medical records.
• Document everything. Collect all your medical bills.
• Call your own insurance company.
Keep a log of any conversations you might have had with someone connected to the accident. Record the time and date of the conversation; record the name of the person with whom you spoke. Be ready to reject an early settlement.
Think ahead to the follow-up to the adjuster’s call
• Plan to strengthen your argument by sending certain items.
• Study the pictures that you have taken. Pick out the ones that best illustrate a point that you want to make. Prepare to attach those same pictures to a letter to the adjuster.
• The copies of your medical records might also be sent to the adjuster.
When should you send the materials named above?
Do not send anything until after the negotiations have started. Wait and see if there is a period during which the adjuster is slow to respond to an offer that you made, or a question that you asked.
You do not want to sound impatient, and call for an answer or a response. Instead, follow the system that is used by insurers. Send the adjuster a letter, and include some materials that can back-up something you have said over the phone.
Write down what you have sent the adjuster, so that you will be ready to accept a call, after sending that package. Take notes of the adjuster’s conversation, when you get a response to your package. This action can alert an adjuster to the fact that you would be able to contact the adjuster’s superior.
By the same token, your readiness to keep negotiating with the adjuster helps to make it clear that you do not want to agree to an early settlement. Do not settle, because you cannot be sure that you will not have more problems in the future. Wait to see what new symptoms might develop.