What Can I Expect When Dealing With An Insurance Company In My Personal Injury Case?
Until you get a lawyer, they will call you directly. Once you get a lawyer and inform them of it, they will deal with the lawyer directly.
What Tactics Should I Look Out For When Dealing With A Claims Adjuster In Richmond, VA?
They will try to get a recorded statement and then pick it apart to deny your claim. They are looking for any information to deny your claim and contributory negligence is a big part. They’ll try to blame the accident on you, and the more you talk to them, the more potential evidence you are providing. The insurance adjuster has handled thousands of cases, and for the individual driver, it’s probably their first case. There is a severe disadvantage in talking to an adjuster because they are significantly more knowledgeable than you are, and they know to ask you the right question to allow you to trap yourself.
Will The Other Party’s Insurance Company Have Access To My Medical Records?
Yes, if you allow them to. The agency will send you a HIPAA form in the mail as part of their initial contact, and if you sign that and return it to them, they will have access to your medical records. As part of the process, we frequently provide medical information to the insurance company.
Will Any Pre-Existing Medical Conditions Be Used Against Me In My Personal Injury Case?
Yes, if it is related to that part of the body for which the claim is made. It also depends on if you’ve completely recovered from a pre-existing condition. If you are no longer receiving treatment for it, your medical record will indicate that. Still, if it is something like an ongoing treatment for a chronic condition, it will often get blended into the medical record. It relies very much on the details of the case and can change based on the severity of the injury.
How Would It Impact An Auto Injury Claim If The Injured Party Was Not Wearing A Seatbelt At The Time Of The Accident?
If you tell them you weren’t wearing a seatbelt, they would most likely try to use that against you because the law in Virginia states that you have to wear a seatbelt. I can imagine the insurance adjuster saying that your injuries were exacerbated because you weren’t wearing a seatbelt. They will be able to talk about it, but they won’t be able to use it because the law lists the requirements for seat belts as a provision that can’t be used in court.
Does The Insurance Company Have The Right To Use Private Investigators To Follow Me To Keep Track Of My Movements, What I Can Do, What I Can’t Do?
They’ll inspect your social media, so be careful what you post after an accident. If you tell them that you have a back injury and show yourself shoveling snow, that will be detrimental. If you are talking to your best friend on Facebook about how you will get a significant settlement from an insurance company when you are not injured, it will almost certainly harm your case in court.
What Are Some Things Someone Should Do And Some Things To Avoid During The Pendency Of A Personal Injury Case?
The best thing they can do is keep their mouth closed and run everything through their lawyer because we are the Central Repository of Information from outside of the case. We know how to deal with insurance companies and adjusters. We deal with them day in and day out, so we understand how they operate, whereas the client has never been involved in a case before. Also, they need to ensure they show up to all their doctor’s appointments. If you skip appointments, it looks terrible for your case, which applies to seeking treatment as well. A significant gap in your treatment looks awful on your claim, and it’s a surefire way to lessen the value of your case.
If a client goes to court and claims a severe injury but then does not seek treatment for it, the truthfulness of that claim will be called into question. Even COVID has not been a good enough excuse for missing therapy in some of our current cases. People stopped going to the doctor because they were afraid of COVID, and the adjusters were giving us a tough time about it, which is ridiculous.
For more information on Dealing With An Insurance Claims Adjuster, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (804) 905-9743 today.