Dealing with Insurance Adjusters After an Accident in Texas

After getting into a car accident, one of your first thoughts will likely be about filing an insurance claim with your insurance provider or the responsible party’s insurance provider. When you do, you’ll need to work with the insurance company’s adjuster to assess the damage. While it’s easy enough to assume that the adjuster has your best interests in mind, it’s not always the case. You’ll need to advocate for yourself throughout the entire process. Here are a few tips from your trusted Texas insurance claims attorney to help you deal with the adjuster with confidence.

Attend the Walkthrough

If you can, try to attend the walkthrough with the adjuster. This will give you a chance to answer their questions and provide more detailed information than they may have if left to their own devices. During the walkthrough, try to note what the inspector is glossing over and what they’re focusing on. If you see damage they don’t, point it out. Remember, you know your car best and you can point out damage that they might otherwise ignore or dismiss as existing before the accident.

Only Provide the Facts

Your insurance adjuster will likely ask questions during the walkthrough. While many of those questions are innocent enough, they’re still an employee of the insurance company. It’s in their best interest to use whatever information you give them to decrease the settlement they think you’re eligible for or to paint your situation as somehow less severe than it really is. 

When answering their questions, stick to the facts. Never admit fault even if you were primarily responsible for the accident. When providing descriptions, avoid exaggerating if you can. 

Consider Hiring an Independent Adjuster

Did you know that you can hire an independent adjuster to ensure fairness and accuracy in the assessment? You can and should. When you hire an independent adjuster, they’ll work for you, not the insurance company. Their assessment will be unbiased and will accurately evaluate the damages you suffered. 

Unfortunately, you will have to pay for their services out of pocket. But you can use their assessment to refute the insurance company’s adjuster’s opinion if needed. 

Be Prepared to Consult With an Attorney

Your initial insurance settlement offer will largely be based on the insurance adjuster’s assessment. Though some adjusters will recommend fair settlements, others may recommend offers that are much lower than you deserve. It’s a good idea to consult with an attorney when you receive your offer.

Your Texas insurance claims attorney will be able to review that offer and help you decide if it’s worth accepting. If it’s too low based on their experience, they can help you figure out your best next steps.

You May Need to Appeal Their Decision

If the offer is too low, you may need to appeal the insurance company’s decision. When you initiate an appeal, you’ll trigger a review of your claim and have an opportunity to present stronger or additional evidence to back your appeal.

Keep in mind that this process can be difficult. That’s why it’s a good idea to work with an experienced attorney from the beginning. They’ll help you navigate the appeals process and can represent your interests with the insurance provider if needed. Having an attorney on your side shows your insurance provider that you’re serious and are prepared to hold them accountable.

Schedule a Free Consultation Today

If you’re worried about your insurance claim and need advice on how to proceed, the sooner you can speak with a Texas insurance claims attorney, the better. Contact us today to schedule a free consultation with our experienced team.