Normally, that caller is an adjuster, although it could be a representative of the person that you believe to have caused the accident. What should you say, while being calm and polite?
Suggested actions for the recipient of such a call
Have pen and paper near the phone, so that you can take notes and get the caller’s name, address and phone number.Do not hesitate to share with the person at the other end of the line those same pieces of information, as each of them relates to you, the listener.
Limit the amount of information that you share with the person that placed the call. Do not offer extensive details about your job or your salary. Stick with the basic facts, such as the general focus of your job, or the nature of your line of work. Continue to stick with those basic facts, when discussing the accident. Mention no more than the time and place, along with the type of vehicle that you were driving.
You need to promise to send a demand letter; that should indicate that you are ready to offer more information at the appropriate time.
In answer to any questions about your injuries, say that you are in the process of having those treated. Of course, if you have not yet seen a doctor, you might say that you are in the process of seeking treatment. That could suggest that you have obtained a diagnosis, and now plan to seek treatment.
Personal Injury Lawyer in Kitchener knows that an adjuster would not seek information on any diagnostic procedure. Insurance companies do not like to offer reimbursement for any expenses that might have been created, when a claimant has gone after a diagnosis. After completing conversation with caller, write down any requests that you have made, or any that you have been asked to satisfy.
What to avoid saying
Do not agree to the taping of a statement. You should not allow the insurance company to tape any statement from you, unless your lawyer is present.
Do not offer just one-half of any story. Insurance adjusters make note of any message that contains an incomplete statement. Adjusters realize that the absence of some fact could be an attempt to hide some piece of information.
Do not guess at any fact, because you might state an inaccurate remark. In the adjuster’s eye, an inaccuracy could look like an effort to cover-up the truth. That is why it is best to offer only the basic facts, concerning the injury-causing accident.
Do not assume that you have to be agreeable, in order to have a polite attitude. If the adjuster has repeated an incorrect piece of information, make a point of stating the truth, regarding the situation to which the adjuster has alluded.