Insurance adjusters review damages and injuries, then structure reports in ways that minimize compensation as much possible for losses. Their job is to settle cases as cheaply as possible for the insurance company.
An insurance adjuster will ask for three things:
- A recorded statement
- A medical release form
- A wage information release form
Do not give the insurance adjuster any of the above!
Do not consent to a recorded statement. A recorded statement can hurt truthful and honest individuals. Insurance adjusters will try to ask questions and poke holes in statements. Usually, an insurance adjuster will ask questions regarding time, distance, and speed. You may think you know the answers to these questions, but unless you are truly an expert in measuring time, distance, and speed, you may accidentally give inaccurate answers to your insurance adjuster. They will use this against you.
Do not sign a medical release form given to you by your insurance adjuster. This allows them to view your medical records. They may pull medical records from a completely different incident to use against you and your automobile accident claim. The information they may gather from your medical records would not be permissible in court, but it may change the way an insurance company values your case. Instead, ask the adjuster for the medical records they want, and give them the medical records relevant to your claim. Do not allow them to have access to all of your medical records.
Do not give adjusters your wage and employment information. An insurance adjuster may also want access to wage and employment information. You should not give them this information either. They might find information they have no business knowing about while researching your wage and employment records. You should get your employer to sign a statement showing the amount you made before the incident and how many days or weeks of work you missed due to your injuries. You can gather all the information your insurance company needs, without giving them access to any of your private records.