San Diego Personal Injury Lawyers and Insurance Statements
This entry was posted on Wednesday, December 2nd, 2015
Posted in News & Articles | Posted by: George Heppner - San Diego Personal Injury Attorney
If you are filing a personal injury claim, our San Diego personal injury lawyers may be able to help you receive the settlement you deserve. Claims adjusters use a variety of techniques to trick and intimidate you into settling for less than you are entitled to. Consider these strategies and learn how to avoid them when navigating your personal injury claim. “I need your statement.” While this seems like a straightforward question, it is not always an innocent one. Insurance adjusters evaluate claims and assess the facts. To do this, they obtain statements from all parties involved in the accident as well as any witnesses present at the time. Once the facts are gathered, the insurance adjuster seeks to make a judgment about liability and compromise on a settlement. In many cases, they hope to deny your claim based on a lack of liability. In order to do any of these things, the adjuster must have as many informed statements as possible. Most adjusters want signed or recorded statements, which become highly authoritative in court if your case goes to trial. If this is not possible, they give a face-to-face interview. The interview is a series of questions, to which the interviewee responds in first-person writing. Insurance adjusters have informational outlines they use to guide different statements. They are encouraged to tailor each outline to the specific case, which can lead to biased questioning. While witnesses are giving signed statements, the adjuster attempts to write down the information as quickly as possible and asks the witness to make statements to correct any misconceptions or mistakes. You may be asked to initial any corrections made to the document. If your interview goes well, you will write your name at the bottom of each page of the answer sheet. Your insurance adjuster may sign the bottom of each page as a witness or ask someone nearby to give witness to the document. He may leave a copy of the statement with you, written on three-party carbon paper. If you do not request a copy of the statement, your insurance adjuster does not have to give you one. A personal injury lawyer San Diego residents trust may be able to help you obtain a copy, but in many cases, it is difficult after the interview has passed.
Types of Insurance Verification Statements
Recorded statements involve the use of a recording device with your permission. This statement can be taken in person or over the phone for the sake of convenience. Sometimes insurance adjusters simply use a small tape recorder to record the interview. Many insurance companies prefer recordings since they provide an exact record of what was said during the interview. Recorded statements also take less time than written statements, meaning that they are more cost-effective for the adjustment or insurance company. What is better for the insurance company, however, is not always better for you a a claimant. If you are unable to make it to give an in-person statement, giving a phone interview may be the better option. However, in some cases, you may prefer to have a written interview take place so you can make changes to the record as it is written. If you are asked to give a signed statement, you will have to meet face-to-face with the adjuster. Recorded statements can easily be taken in person, but they are more frequently taken by phone. Over the past two decades, recorded statements have overtaken signed statements in popularity. Some older adjusters believe that the quality of insurance claims work has gone down since the adoption of the recorded statement. A personal injury lawyer San Diego residents trust may be able to advise you as to which type of statement is in your best interest. Once a statement has been taken, the adjuster handwrites a summary or has it transcribed by a transcriptionist.
Contact Our San Diego Personal Injury Lawyers
Call George Charles Heppner at (888) 503-6473 to speak with San Diego personal injury lawyers who know accident claims.