How Do I Prepare to Speak with Car Insurance Adjusters?


If you suffered injuries and damages in a car accident, odds are that you require financial compensation to heal. For this, you will likely have to speak with the other driver’s insurance company. This is no easy task. Follow along to find out how to prepare for speaking with insurance adjusters and how a proficient Morris County car accident lawyer of Lutz Injury Law can support you through these conversations.

Why do I need a Morris County attorney to speak with insurance adjusters?

Overall, you must employ an attorney if you intend to file a car accident injury claim. But an attorney will be particularly helpful in your conversations with insurance adjusters. This is because, if they believe you do not know any better, the adjusters may offer you a lowball settlement or make you sign paperwork that puts you at a disadvantage. But if you have an attorney by your side, they will not let this happen.

How do I handle speaking with insurance adjusters after my car accident?

At the end of the day, insurance adjusters are running a business, which makes them prioritize their bottom line over how much compensation you require. So, when it comes to receiving compensation for your car’s damages, they will likely try to send you to a specific auto body shop to get an estimate. However, you should not jump at this suggestion, as sometimes, they cut deals with certain shops to give you a lower estimate than what you require to cover your damages. Instead, you should go to a shop that you trust.

Additionally, if you deny the initial settlement the insurance adjusters offer you because you believe it is a lowball, do not be surprised if they give you the silent treatment. They do this in hopes that you will wait for a response long enough that the statute of limitation for your claim expires. Instead, you should be persistent in your contacting them, and your attorney can help ensure that you are not ignored.

What evidence do I need when speaking with insurance adjusters?

When it comes to receiving compensation for your injuries, insurance adjusters will likely use sneaky tactics to get you to contradict yourself or otherwise downplay their severity. This is why you must collect a sufficient amount of physical evidence that makes your claim irrefutable. Such physical evidence includes, but is not limited to, the following:

  • The official police report that was conducted at the scene of your accident.
  • Pictures and videos of your damaged car and your injuries.
  • Medical bills for the treatment of your injuries.
  • A doctor’s note stating the date, time, and seriousness of your injuries.

And, as mentioned above, you must hire a talented Morris County automobile accidents attorney as soon as you can.


If you have been the victim of the negligence of another in an accident, please contact a qualified New Jersey personal injury attorney at Lutz Injury Law as quickly as possible following the subject accident.

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