If your loved one got involved in an accident that resulted in an injury, they are entitled to compensation. But, there are many steps to go through to file a claim and bring a lawsuit against the at fault party. One aspect of this process might include an insurance adjuster.
The insurance adjuster would be from the at fault party’s insurance company. Your loved one should familiarize themselves with the role of the insurance adjuster. They should know about the adjuster if they plan to sue the at fault party for personal injury.
Once an accident causes injury, both parties should notify their insurance companies. The at fault party’s insurance company might assign an insurance adjuster to the case.
The insurance adjuster is part of the whole process of the case. They become involved from the moment that the personal injury claim happens to the case resolution. This means that the insurance adjuster is there for the trial, appeal, and settlement. Understanding the role of this adjuster can help you build your loved one’s case. You’ll also know what to expect during the lawsuit process.
Insurance adjusters are usually claims professionals hired by insurance companies. The job of the adjuster is to propose a quick and inexpensive settlement to the injured party. These settlements are usually proposed toward the beginning of the case. This is to save the insurance company money.
Insurance adjusters evaluate the accident. They also check the case budget, and the risk management purposes. They do this to propose a settlement that the injured party will find attractive.
Accepting a Settlement
It is not in your loved one’s best interest to accept a settlement proposed by an insurance adjuster. This is because adjusters want the plaintiff to settle quickly without involving lawyers. Insurance adjusters will try to pressure your loved one into taking the deal. This is because it will not cost the insurance company a lot of money.
Insurance adjusters might also try to make your loved one to delay their lawsuit. They’ll do this in the hopes that the statute of limitations will run out on the case.
In Connecticut, you can’t file a personal injury lawsuit after two years of the date of death. The statute is five years after the date of injury. Insurance adjusters do not have your loved one’s best interest at heart. Instead, they have a bias toward the defendant and the defendant’s insurance company. They might seem sympathetic towards your loved one. But, the adjuster just wants your loved one to take the settlement.
Hiring a Lawyer
For this reason, it is important that your loved one hire their own personal injury lawyer. Your loved one’s lawyer will protect their interests and rights. The lawyer will know what is a fair settlement due to their experience. Your loved one should not negotiate with an insurance adjuster unless they have a lawyer present.
Accepting a Settlement
A settlement proposed by an insurance adjuster might seem appealing. But, it won’t provide the compensation your loved one deserves. This is because insurance adjusters are biased toward the defendant. It is important that your loved one hires a personal injury lawyer to protect their rights.