Don't talk to the adjuster. They're not there to help you. If you've been injured in an accident due to no fault of your own, talk to a lawyer first.
Insurance adjusters want to close cases as quickly as possible. There's a reason for that: It saves the insurance company money. That's one reason they'll do their best to IMMEDIATELY talk to you.
They don't care if you're in the hospital and still not at your best.
The whole point is to settle as quickly and as inexpensively as possible. If they can deny your claim, that's just fine with them. That's pure profit for the big insurance companies.
Right after a wreck, you may still be undergoing treatment from your doctor.
You may not know if you'll need physical therapy or, heaven forbid, follow up surgeries, or how long you may be out of work.
You may not know if you have permanent injuries or what's to come in the next weeks and months.
Carriers want to tie you down with a statement. They want to see if there are ways to deny your claim.
North Carolina is a CONTRIBUTORY NEGLIGENCE jurisdiction. Adjusters for the insurance companies know that and try to avoid paying.
One of the best ways to do that is to get a release of claims as quickly as possible, before the dust settles and you've figured out what you've been through.
Just because an adjuster denies your claim doesn't mean the game is over!
By understanding their motivation, you can more easily negotiate a fair settlement or get your claim denied altogether!
