Right after you file for workers’ compensation, the insurance adjusters will investigate all the evidence you provide to decide the compensation amount. Your employer and insurance company do not want to roll out the payment from their pockets. Hence they will try to lower your compensation or deny it. Moreover, the insurance company will try to stall you with various tactics. However, it is vital to speak to an injury at work lawyer to get maximum compensation.
What and how you speak to the insurance company can affect your claim. Your single wrong statement can reduce your chances of getting compensation. Therefore, below are a few tips that will come in handy when speaking with the insurance adjuster.
- Be polite with the insurance adjuster.
The insurance adjuster notes everything you speak. Saying things in anger can affect the outcome of your case. Although it is normal to be angry and overwhelmed with everything you are suffering due to work-related injury, it is vital to be calm and polite.
- Take details of the insurance adjuster.
One of the first steps when speaking to the insurance adjuster is to note down the person’s details. Note their name, address, the company they work for, and more. This is because you must be aware of who you are speaking to.
- Do not give too much information.
Remember, the insurance company works for their interest, and they do not care about your injuries. The insurance adjuster will take as much detail as possible about the accident, your injuries, and other aspects. While you can give them information about how the accident happened and injuries you sustained, do not go into detail unless you speak to an attorney.
- Refuse to give a written or oral statement.
The insurance adjuster will ask you to give a recorded or written statement. It is advisable not to provide any written or oral statement to the insurance company without speaking to an attorney. You can politely refuse to give a statement and ask the company that you need to talk to your attorney.
- Be honest about your injuries.
Be completely honest about the injuries you sustained from the accident. Do not exaggerate or hide your injuries. If you do so, your claim will be lowered or denied.
Undoubtedly, the insurance adjuster will try to lure you into their tactics and ensure that you fall for their trap. However, with the guidance of an attorney, you can juggle the tactics and get the maximum settlement for your injuries.
