If your child was involved in an accident that resulted in an injury, your family is entitled to compensation. However, there are many steps that you must go through in order to file a claim and bring a lawsuit against the at-fault party. One aspect of this process includes an insurance adjuster from the at-fault party’s insurance company. The role of the insurance adjuster is something that you should be familiar with if you plan to sue the at-fault party for personal injury.
Once an accident resulting in injury occurs, both parties should notify their insurance companies. Generally, the at-fault party’s insurance company will assign an insurance adjuster to work on the personal injury case. The insurance adjuster is part of the whole process of the case, from the moment that the personal injury claim is made to the case resolution, whether that is trial, appeal, settlement, or any other resolution. Understanding the role of this adjuster can help you to build your child’s case and know what to expect during the lawsuit process.
What is Their Job?
Insurance adjusters are usually claims professionals that are hired by insurance companies. The job of the insurance adjuster is to propose a quick and inexpensive settlement to the injured party. These settlements are usually proposed toward the beginning of the case in order to save the insurance company money. Insurance adjusters evaluate the accident, the case budget, and the risk management purposes in order to propose a settlement that is attractive to the injured party.
The Problem With Insurance Adjusters
It is not in your best interest to immediately accept a settlement proposed by an insurance adjuster. The reason for this is because adjusters want the plaintiff to settle quickly without involving lawyers. Insurance adjusters will try to pressure your family into taking the deal because it will not cost the insurance company a lot of money. They might also try to get you to delay your child’s lawsuit in the hopes that the statute of limitations will run out on your case (in Connecticut, you cannot file a personal injury lawsuit after two years of the date of the accident).
Insurance adjusters do not have you and your child’s best interest at heart. Instead, they are biased toward the defendant and the defendant’s insurance company. While they might seem sympathetic toward you, they will try to trick you into taking the settlement in any way that they can. For this reason, it is important that you hire your own personal injury lawyer. Your lawyer will protect your child’s interests and rights and will know what is a fair settlement better than you can, due to his or her experience. You should not negotiate with an insurance adjuster unless you have a lawyer present.
While a settlement proposed by an insurance adjuster might seem appealing, you probably will not get the compensation that your family is entitled to if you take the deal. This is because insurance adjusters are biased towards the defendant. It is important that you hire a personal injury lawyer to protect your family from being conned into accepting a bad deal.