Personal Injury Process From an Insurance Adjuster’s Point of View

You are injured in an accident that was caused by the negligent actions of another. You deserve compensation for the injuries you suffered and the out of pocket expenses you incurred. You hire an attorney to help you file a claim against the negligent party’s insurance carrier.
Below is a brief overview of how the insurance carrier may handle your claim.
Opening a Claim
The first step in the personal injury claim process is for the at-fault party’s insurance carrier to open a claim and assign your case to an adjuster. The adjuster will then contact your personal injury attorney. If the adjuster contacts you personally, you should provide them with your attorney’s contact information.
Investigating the Details of the Accident
The next step is for the adjuster to investigate the details of the accident. This investigation will assist the adjuster in determining who is at fault. If the police was not called to the scene of the accident, the adjuster may request your attorney to schedule a recorded statement.
Gathering Medical Information
Another important step is for the adjuster to request relevant medical records from any treating physicians, therapists and chiropractors you visited for your accident-related injuries. The adjuster may also inquire into your previous medical history.
Engaging In Negotiation and Settlement Talks
When the adjuster has gathered all the necessary information and documentation to properly assess the extent of your personal injury claim, he or she may be ready to start negotiating with your attorney. If the parties are not able to reach a settlement figure, you may be forced to litigate your claim in a court of law.
Contact an Experienced Personal Injury Attorney
Kenneth A. Wilhelm is an experienced New York personal injury lawyer. For more information or to schedule a complimentary consultation, please call 1-800 WORK-4-YOU (1-800-967-5496).