Dealing with Insurance Adjusters: What Are Your Rights?
by Christian Scranton
When communicating with insurance adjusters, it’s natural to want to be as helpful and forthcoming as possible so you are seen as cooperative rather than obstructive. Sadly, this good faith is often used against you—and if it feels like the other party’s insurance company is always trying to catch you out, they probably are. There is a number of tactics used by insurance adjusters to try and catch you doing or saying something that could undermine your own case, including: asking your friends, family and employer about your life after the accident without your permission; turning up at your home or workplace unannounced; and trying to dissuade you from seeking legal advice. All of these should raise suspicions but it can be so difficult to know where you stand legally as you work through your case.
Although unscrupulous insurance companies may not want you to be aware of your rights, you actually have more than you might think when dealing with the other party’s adjuster. So, what are you allowed to insist on when dealing with the other party’s insurance adjuster?
A letter of identification
You can insist that the insurance adjuster provide you with a letter identifying them and their belonging to the company. The letter should clearly state the policy number and any claim number(s) as well as evidence that the company covered the responsible party on the day of the accident. A failure or refusal to provide a letter of identification raises concerns either that the person is not actually a direct representative of the insurance provider or that the company is too disorganized to provide the right paperwork at the right time.