5 Easy Steps to Do-it-yourself Settlement
Step 3: Communicate
SettlementCentral.Com demonstrates two major
areas of effective communication:
- how to communicate with the insurance adjuster
- how to avoid undermining your injury claim by bragging about your
The adjuster is a trained professional working for the insurance
company, not your bowling buddy. If you give her the opportunity, she will
use any of your words regarding
liability or proof of your damages that will help the insurance
company pay you less. She does not care whether the words were spoken in a
formal interview or in an informal telephone call.
Do your business with the insurance adjuster in a courteous and helpful
manner, and then get off the phone. You can certainly use humor in your
conversation, but do not tell jokes, and especially do not tell potentially
offensive jokes. Above all, never let your temper boil over. The
insurance adjuster is also human, and can get upset. Do not argue
with her, since you will always lose in the end. Remember she will be
writing your check, and save your outrage until you are alone and off the
phone. Always treat the insurance adjuster with respect and compassion for
what she has to do, understanding that she has a legitimate role to play in
keeping insurance costs at a reasonable level.
However, you need not always play strictly by the insurance adjuster's
rules. For example, she will expect, ask and demand that you make a
recorded statement. Check out Recorded Statements to Insurance
Be polite, and stand your ground. Say, "No, ma'am" or "No, sir," followed
by, "I will not agree to give you a recorded statement at this time. Please
send me a letter instead so I can see what you're asking me and answer you
fully. Thank you." To better understand why you don't want to give a
recorded interview, Questions to Expect
includes more than 100 questions typically asked in a recorded statement
after an auto accident.
To settle your own injury claim, you need to communicate well with
the insurance company. SettlementCentral.Com's
Members Only area includes dozens of online letters and templates to help
you communicate with the insurance company in the language they are used
to. Our personal injury sample letters are straightforward ways to respond
to offers and make counter-offers. While we cannot guarantee your success
with the insurance adjuster, these tips have helped many people to
successful personal injury
settlement of their insurance claims. See I Settled My Claim
- You Can, Too!
To avoid undermining your injury claim, do not discuss your case
with anyone. Any of your communications with family, friends, co-workers or
medical staff could affect the value of your claim. The old sayings "Loose
lips sink ships" and "Everything you say can and will be used against you"
both apply to "secrets" about your case that you share with others. After
all, the insurance adjuster may talk with the same people you talk with.
You might be shocked to learn what a medical/therapeutic office nurse or
receptionist might pass along about you in a conversation with the
insurance adjuster. When the adjuster checks on your wage loss with your
supervisor, she will also fish for other information about you.
Remember that the major reason for your insurance claim is to make up to
you, at least somewhat, for your injuries and any accompanying losses. If
you can do something wonderful with some of that money, great. But do
not talk about those possibilities until the personal injury settlement
is final and in your bank account.
Continue to Step 4: Gather and Organize