What Should You Do Before a Claims Adjuster Visits You?

Here are the key things you should do before the claims adjuster arrives so that you can feel confident and ready.

Insurance adjusters can be intimidating but are an essential part of the car insurance claims process. If you’ve been in an accident and are planning to pursue a claim, preparing before meeting with an adjuster is wise. The good news is the more organized and prepared you are when your adjuster arrives, the better your chance of making sure your claim is processed expediently and efficiently.

Familiarize Yourself With Your Insurance Policy

We’re in the era of personalization, meaning your insurance policy is meticulously tailored to fit your needs and circumstances. As such, before a claims adjuster visits you, it’s essential to familiarize yourself with your insurance policy. This will help you understand your coverage, what is and isn’t covered, and how much you can expect to receive. You should also have a copy of your policy available to refer to during the adjuster’s visit, as it may contain important information about your coverage and the claims process.

Document Everything – Your Injuries, Expenses, and Any Other Damages

No matter how good you think your memory is, it’s important to thoroughly document your injuries, expenses, and any other damages related to the car accident before a claims adjuster visits you. Many victims don’t take the time to document these details, thinking they’ll remember everything when it comes time to file a claim. However, this can lead to mistakes and discrepancies when talking to the adjuster, which could be used against you.

To ensure that you have all the necessary information, keeping track of your medical bills, receipts for any expenses related to the accident, and any other documentation supporting your claim is a good idea. This will help you present a clear and accurate picture of the damages you’ve suffered and increase your chances of receiving fair compensation.

Know Your Rights

Another critical step before a claims adjuster visits you is knowing your rights. As a car accident victim, you have the right to legal counsel or an advisor alongside you to help ensure your rights are protected. It’s also your right to get accurate information from the adjuster/adjusting company and other parties involved—so be sure to ask for complete disclosure and greater transparency throughout each step of the process.

More tips include:

• Be ready to take notes during the visit: Write down the names and contact information of anyone you speak with, as well as the details of the conversation.
• Don’t agree to a settlement on the spot: It’s essential to take the time to review any settlement offer carefully before agreeing to it. If you have any doubts or questions, it’s okay to seek the advice of an attorney.