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What You Should Know Before the Insurance Adjuster Calls

Maritote Law June 20, 2024

When you're involved in a car accident, the last thing you want to worry about is dealing with insurance adjusters. However, understanding how to interact with them is critical for protecting your rights and receiving fair compensation.  

At Maritote Law, we have helped countless clients through this process, and we're here to share a few things you should know before the insurance adjuster calls. 

Understand the Role of the Insurance Adjuster 

Insurance adjusters work for insurance companies. Their primary job is to investigate claims and determine the amount the insurance company should pay. While they might seem friendly and helpful, remember that their goal is to save their company money. This often means offering the lowest possible settlement. 

Here are some do’s and don’ts while dealing with insurance adjusters: 

Be Cautious With Your Words 

When speaking with an insurance adjuster, be very careful about what you say. They might ask you to describe the accident, your injuries, and other details. It's important to stick to the facts and avoid giving too much information.  

  • Don't admit fault: Even if you think you were partially responsible, avoid making any statements that could be interpreted as admitting fault. 

  • Be brief: Provide only the necessary details. You don't need to explain every aspect of the accident. 

  • Avoid speculating: If you don't know the answer to a question, it's okay to say so. Stick to what you know for sure. 

  • Don't provide recorded statements: Politely decline if an insurance adjuster asks to record your conversation.  

  • Consult with your lawyer: Before you speak to an insurance adjuster, discuss your case with a lawyer who can guide you on what to say. 

  • Keep your emotions in check: Avoid expressing strong emotions such as anger, frustration, or fear, which can affect how your statements are perceived. 

  • Document your conversation: Take notes during and after your conversation with the insurance adjuster, including the date, time, and the key points discussed. This can be helpful if discrepancies occur later. 

  • Do not discuss injuries in detail: Refrain from elaborating on your injuries or medical condition. This information is better shared between healthcare professionals and through official medical reports. 

Document Everything 

Keep detailed records, including: 

  • Accident reports 

  • Medical records 

  • Communication 

  • Photographic evidence 

  • Witness information 

  • Repair estimates 

  • Receipts and bills 

  • Missed work 

  • Pain and suffering journal 

Don't Accept the First Offer 

Insurance companies often make a quick, low offer, hoping you'll accept it without question. It's usually best to consult with a personal injury attorney who can help you evaluate the offer and negotiate for a fair amount. 

Consult With a Personal Injury Attorney 

Hiring a personal injury attorney can make a significant difference in your case. At Maritote Law, we have over 30 years of trial experience, and we're committed to fighting for the best possible outcome for our clients. We can help you: 

  • Understand your rights: We'll explain the laws that apply to your case and what you can expect. 

  • Gather evidence: Our team will collect all necessary evidence to support your claim. 

  • Negotiate with the insurance company: We'll handle all communication and negotiation, so you don't have to. 

Laws in Illinois 

If you live in Illinois, knowing the relevant state laws can help you better understand your rights and obligations. 

Comparative Negligence 

Illinois follows a modified comparative negligence rule. This means that if you are partially at fault for the accident, your compensation will be reduced by your percentage of fault. However, if you are more than 50% at fault, you cannot recover any damages. 

Statute of Limitations 

Illinois law sets strict deadlines for filing personal injury claims. Generally, you have two years from the date of the accident to file a lawsuit. Missing this deadline could prevent you from seeking compensation. 

Minimum Insurance Requirements 

Illinois law requires drivers to carry a minimum amount of liability insurance. This includes: 

  • $25,000 for injury or death of one person 

  • $50,000 for injury or death of more than one person 

  • $20,000 for property damage 

Uninsured and Underinsured Motorist Coverage 

Illinois law also mandates that all drivers carry uninsured and underinsured motorist coverage. This is designed to protect you if you are involved in an accident with a driver who either does not have insurance or does not have enough insurance to cover the damages. The minimum required limits are as follows: 

  • $25,000 per person for bodily injury 

  • $50,000 per accident for bodily injury 

Don’t Wait to Enlist Legal Help 

If you have been involved in a car accident, Maritote Law is here to help. With more than 30 years of trial experience, we have the knowledge, skills, and resources to obtain favorable results in even the most complex personal injury and wrongful death cases. We have extensive experience in representing those who have been involved in vehicle accidents and are not afraid to fight for our clients in court. 

We will do everything possible to secure the compensation you deserve. Contact Maritote Law today to schedule a free consultation and take the first step toward getting your life back on track.