Choosing to negotiate with an adjuster, while lacking a Personal Injury Lawyer St John’s guidance might not be a foolish endeavor, if the claimant had prepared and organized all the paperwork, and had sustained only minor injuries.
• Taking pictures of any damaged property, as well as of any injuries
• Getting your hands on the police report, or the incident report
• Making an effort to visit a doctor’s office, a hospital emergency room or a clinic within 24 hours of the reported accident
• Keeping an organized collection of all the bills from the doctors and other medical facilities
• Checking on the statute of limitations, and using a calendar to keep track of the deadline for initiating a lawsuit
• Composing a demand letter
What to include in a demand letter, one directed at adjuster in defendant’s insurance company?
• Why the named policyholder should be held accountable for the reported injury
• Nature and extent of any injuries
• Details on any financial losses
• Specifics on the pain and suffering that had been linked to the reported injury
Actions to avoid
1) Providing the defendant’s insurance company with a recorded statement: Only an attorney knows what should or should not be included in such a statement.
2) Sharing any pictures or comments that relate to the accident with those that might visit a social networking site: Insurance companies hire adjusters that devote the bulk of their time to checking to see what has been posted on different networking sites.
A claimant might want to test his or her ability to carry out a certain task. That test should not take place before the treating doctor has agreed that it would shine some useful light on the extent of the patient’s/claimant’s recovery.
If a family member were to snap a picture of the claimant engaged in an unsanctioned activity, then an adjuster might find that same picture. The adjuster’s discovery could be used to question the veracity of claims that had been submitted to the same adjuster.
3) Assuming that the other side could not claim shared fault: An allegation of shared fault, if made, would be difficult to contest, without an attorney’s assistance. Any claimants that tried to contest such an allegation would find it hard to be polite and reasonable with the adjuster.
Moreover, a demonstration of such qualities belongs on a listing of those things that are best able to guarantee the achievement of a win. Still, both are most likely to have the desired effect, when used in combination with a certain story. That would be a story explaining the reason for the charges made in the demand letter, along with the demanded compensation for injuries, as well as for the pain and suffering.