The Question You Need To Ask The Personal Injury Adjuster

Written by Greg on June 26, 2015

One question that everyone who is contemplating handling their own car accident injury claim should ask the adverse adjuster is:

[dropshadowbox align=”none” effect=”lifted-both” width=”700px” height=”” background_color=”#ffffff” border_width=”1″ border_color=”#dddddd” ]“how are you going to calculate my pain and suffering claim”?[/dropshadowbox]

Frequently folks call us several months after their car accident and are frustrated with their dealings with the adjuster. In a typical scenario, the adjuster indicated at some point that they were “accepting liability” and the people at that point expected fair treatment from the adjuster. That is a huge mistake.

Many insurance companies now use a computer model to determine damages, and the computer model they use takes into consideration such things as do you have a lawyer, is the lawyer any good, but what the computer model doesn’t usually include is much, if anything for real pain and suffering.

So, as early on as you can when handling your own car wreck or other injury claim, once the adjuster has indicated they are “accepting or going to pay” the claim, ask specifically and demand an answer to the question:

“How are you going to pay me for my pain and suffering?”

The adjuster will not want to answer that question and probably will give you a runaround answer that does not even address the question. For most people, especially those with serious injuries this is a legitimate question that needs to be answered.

If your car accident is minor and the injuries you sustained resolve quickly and are not that serious, how you get paid for pain and suffering may not be a big deal. For those with broken bones, disc problems, nerve damage head injury or other serious injury how you are paid for pain and suffering is a significant question, and one, I predict the adjuster will not really ever answer.

[dropshadowbox align=”none” effect=”lifted-both” width=”700px” height=”” background_color=”#ffffff” border_width=”1″ border_color=”#dddddd” ]If the adjuster cannot answer the question to your satisfaction, it is your sign that you may need a PI attorney to help you.[/dropshadowbox]

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Posted Under: Insurance Claims

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