Filing an Ohio personal injury claim can be a complex and overwhelming process. Apart from the physical pain and emotional stress that come with the injuries, dealing with insurance claims adjusters can make the process even more challenging. Insurance claims adjusters are responsible for assessing the validity of your claim and determining the amount that should be paid out. However, they work for the insurance company and often prioritize the interests of the company over yours. To ensure that you get the compensation you deserve, you need to protect yourself from insurance claims adjusters. Here are some valuable tips to consider.
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Get Evidence and Keep Records
One of the most important things you can do after an accident is to collect as much evidence as possible. This can include photos, videos, witness statements, medical reports, police reports, and any other relevant documentation. These records can help support your claim and refute any attempts by an insurance adjuster to downplay or dismiss your injuries and property damage.
Do Not Admit Fault
When speaking to an insurance adjuster, be careful not to admit fault. Even if you believe that you may have been partially responsible for the accident, avoid saying so until you have discussed the matter with an experienced Ohio personal injury attorney. Insurance adjusters may use your admission of fault to deny your claim or reduce your compensation amount.
Do Not Sign Anything Without Your Lawyer’s Approval
Insurance companies often try to rush claimants into accepting a settlement offer before they consult with an attorney. This approach is meant to pressure you into accepting an offer that may not fully compensate you for your injuries. Before signing anything, consult with a personal injury attorney to ensure that you fully understand your rights and are not settling for less than you deserve.
Be Cautious of What You Disclose
When an insurance adjuster contacts you, be careful not to disclose any private information to them. Insurance adjusters often use a victim’s personal information to dig up past medical records and claim the victim’s injuries were pre-existing. Avoid disclosing your social security number or any other confidential information to adjusters.
Settle Only When Fully Compensated
When filing your Ohio personal injury claim, you are entitled to full compensation for your medical expenses, lost wages, property damage, and pain and suffering. You should, therefore, settle only when you have received full compensation for your losses. Do not hesitate to negotiate for a higher settlement offer with the help of your attorney.
Conclusion
Filing an Ohio personal injury claim can be an emotional and taxing process. However, by following the tips above, you can level the playing field with insurance claims adjusters, protect your rights, and get the compensation you deserve. Remember that when dealing with an insurance adjuster, you do have rights, and these tips can help you navigate the process successfully with confidence. Don’t hesitate to consult with a reputable personal injury lawyer for more guidance.