If you have been injured in an accident in Texas, one of the first calls you will receive will likely be from an insurance adjuster. While this person may sound friendly and concerned about your well-being, they are not truly working in your best interest. Knowing how adjusters operate—and what motivates their decisions—can make a major difference in the outcome of your injury claim. Make sure to speak with an experienced personal injury lawyer in McAllen for legal guidance and support.
What Does an Insurance Adjuster Actually Do?
An insurance adjuster is hired by an insurance company to investigate claims and determine how much the company should pay. Their responsibilities include reviewing accident reports, examining medical records, interviewing witnesses, and assessing property damage.
In Texas injury cases, the adjuster evaluates the facts surrounding your accident and assigns a value to your claim based on the insurer’s guidelines. While adjusters are trained to be thorough, their primary obligation is to the insurance company. Their goal is to resolve claims efficiently while protecting the company’s bottom line.
What to Expect When an Insurance Adjuster Contacts You
Shortly after your accident, you can expect a phone call from an adjuster representing either your insurance company or the at-fault party’s insurer. They will typically ask about the details of the accident, your injuries, and any medical treatment you have received.
The conversation may feel casual, but everything you say is being documented and could be used later to challenge your claim. Some adjusters may also request a recorded statement or ask you to sign medical authorization forms.
Common Tactics Adjusters Use to Minimize Injury Claims
Insurance companies are in the business of managing risk, which often means paying out as little as possible on claims. Adjusters are trained to use strategies that can reduce the value of your settlement or even lead to a denial.
Here are some common tactics to watch for:
- Offering a quick, lowball settlement before you know the full extent of your injuries
- Requesting recorded statements that could be used to find inconsistencies
- Downplaying the severity of your injuries or suggesting they were pre-existing
- Disputing liability or shifting blame onto you
How to Communicate with Adjusters Without Hurting Your Case
If an insurance adjuster contacts you, decline to answer their questions and refer them to your Texas personal injury attorney. If you want to speak with them, you should do so carefully. Stick to basic facts and avoid speculating about fault or the extent of your injuries. Do not agree to a recorded statement without first speaking to a McAllen car accident attorney. Be polite but firm, and remember that you are not obligated to answer every question on the spot.
How an Attorney Can Handle Adjusters on Your Behalf
When you have to deal with an insurance adjuster, a Texas personal injury attorney can take the pressure off your shoulders. An attorney knows the tactics adjusters use and can communicate with them directly, preventing you from making a statement that could harm your case. They can also evaluate settlement offers, negotiate for fair compensation, and file a lawsuit if the insurance company refuses to act in good faith. If you have been injured in Texas and you’re dealing with an insurance company, contact an attorney today to protect your rights and pursue the compensation you deserve.
