A major problem with auto accidents plagues communities across Washington. Automobile accident victims have a right to full Workers Compensation from the responsible party for the collision. Unfortunately, it is frequently challenging to receive equitable compensation in practice. The major small business workers comp insurance providers work assiduously to reduce the amount that wounded people can receive in compensation. Auto accident victims must be prepared to deal with the insurance company’s representatives to protect their claims properly.
Here is a handbook that the automobile accident injuries team has created for dealing with insurance adjusters following a collision.
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Recognize the objectives of the insurance adjuster.
To begin with, it is crucial that you comprehend the perspective of the insurance adjuster. You should know what they hope to accomplish by communicating with you. Keep in mind that an insurance adjuster represents their employer. Their responsibility is to safeguard the insurance company’s bottom line, not your interests.
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Never accept responsibility for a crash.
Never take responsibility for an automobile accident, even in part. Simply said, figuring out who caused the crash is not your responsibility. Let your lawyer take care of that matter. Undoubtedly, an insurance agent may attempt to persuade hurt victims of vehicle accidents to share some of the guilt for the disaster. Because Washington is a comparative negligence state, they act in this manner.
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Steer clear of making an audio recording.
In the immediate aftermath of your accident, insurance adjusters will frequently try to persuade you to give a recorded statement. In fact, an insurance representative might phone you before you have even had a chance to heal and absorb the mishap. Do not feel compelled to make a statement. You should know that you are not required to provide a recorded statement at this point.
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Be wary of offers for quick settlements.
In some auto accident situations, the fault is rather obvious. The insurance provider might not make any effort to contest liability. They might just accept the fact that their driver caused the collision. Wonderful news, yes? More complicated than that, actually. This is because insurance adjusters must utilize different techniques and strategies to safeguard the company’s interests when there is no question as to who caused the accident.
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Refuse to consent to a release of your medical information.
Insurance adjusters frequently want access to the accident victim’s medical records after the incident. They do this because they wish to see whether they can sift through your medical history and discover any justifications to refuse specific treatments due to “pre-existing” conditions.