Dealing with Insurance Adjusters After a Truck Accident

The days and weeks following a serious truck accident are usually a blur. Hospitals, surgery, recovery time, missed work, and the emerging flood of medical bills and daily expenses can quickly become overwhelming. Unfortunately, insurance adjusters are all too aware that you and your family are undergoing huge amounts of stress during this time and want to use it to their advantage.

It's not uncommon for insurance adjusters to contact you while you are still recovering from your truck accident injuries in the hopes that you'll agree to a low settlement and sign away your rights to seek further compensation. In many cases, this initial figure may not even cover all of your medical expenses after a serious Kentucky truck accident let alone compensate you for long-term medical costs and quality-of-life issues resulting from your truck accident.

Below are some guidelines to help you if you are confronted by an insurance adjuster after a truck accident.

Do Not Give a Statement

Insurance adjusters may start contacting you for a statement while you are still in the hospital or shortly after you return home. They'll also ask if they can record this conversation. They want to do this in the hopes that the adjuster will trick you into making a statement that can damage your claim. Do not give them this opportunity.

Do not talk to the insurance adjuster from the truck company's insurance carrier until you have spoken to your attorney. Retaining a Kentucky truck accident attorney early on can help you significantly during this time. They can work with you on your truck accident statement or by communicating with the insurance company on your behalf. This way, you'll know your legal rights are not being taken advantage of.

When dealing with your own insurance company, it's also a good idea to not allow them to record any of your statements. This is especially important if you are on medication as you may not even be aware of the implications of your word choice. Before working with your insurance company concerning a claim, it is vital that you understand your own coverage and what it means in terms of your truck accident. This is also an area your Kentucky truck accident attorney can help you with.

Do Not Sign Any Settlement Offers or Medical Authorization Forms

Insurance adjusters may also ask you to sign a variety of forms. One of these forms may be a medical authorization form that allows the insurance company to see all of your medical records, not just the ones associated with your recent truck accident. This can dramatically impact your ability to recover the compensation you deserve.

Likewise, signing a settlement offer will, in most cases, completely bar you from seeking any further compensation for your injuries, even if new evidence proves those future medical treatments, surgeries, and the like are related to your Kentucky truck accident. All paperwork should be looked over by your Kentucky truck accident attorney before you sign it.

Retaining a Kentucky Truck Accident Attorney

Truck insurance companies are no different from personal auto insurance companies. In fact, many companies insure both types of vehicles. In any case, the truck insurance company will utilize time-tested tactics to try to deny your claim or settle for the lowest amount possible.

In order to help you obtain a fair settlement for your Kentucky truck accident injuries, it's best to retain the services of an experienced Kentucky truck accident attorney from the Law Offices of Gray and White Law. Our truck accident attorneys will give your case the personal attention it requires. Contact us today for a free case consultation - 1-800-634-8767.