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Insurance Adjuster Tricks – Part III: Recordings

An insurance adjuster might ask you to make a recorded statement about your accident, either in person or over the phone, about your accident, your injuries, or your willingness to accept a settlement. You shouldn’t. It’s an attempt to get you to say something the insurer can use against you. The adjuster may go so far as trying to record you saying that you’re willing to waive recovery from the insurer. More subtly, he may ask you an apparently benign question, like “how are you?” or “what are you up to today?” then claim that your answer proves that [...]

Insurance Adjuster Tricks – Part II: Convincing you to accept their offer before you’ve spoken to an attorney

Insurance companies know that people who’ve been injured in accidents often need money fast. They might offer you money soon after your accident, even going so far as calling or visiting you while you’re in the hospital. Attorneys in Missouri are not allowed to do this. Missouri attorneys are not permitted to have personal or real time contact with prospective clients the attorney knows to have need of representation in a particular matter for purposes of obtaining employment Mo. Sup. Ct. Rule 4-7.3(a), and cannot contact a person in writing regarding a claim involving accident or disaster within 30 [...]

Insurance Adjuster Tricks – Part I: Artificial Deadlines

Time is of the essence when you’ve been injured–for you, not for the insurance company. You need to ensure that you receive and can pay for proper medical care. You might need to get your car fixed so that you can return to work. You need to make sure that you have money to feed your family. The insurance company’s incentive to close your case quickly lies only in its desire to induce your acceptance of a low ball offer before you’ve had the chance to talk to a lawyer or determine the full extent of your damages. In [...]

Insurance Adjuster Tricks Introduction

This post introduces a series of posts about tactics insurance adjusters sometimes use in order to get a person injured in an accident to agree to a settlement offer that’s in the insurance company’s interest, rather than in the interest of the injured person. People injured in an accident have enough to worry about without having to contend with lowball offers from unscrupulous insurers. If you’ve been injured in an accident, you should not consider accepting an offer without speaking to a dedicated personal injury attorney.