Speaking With Insurance Adjusters | What to Know

If you are injured in a car accident, you will likely have to speak with the other party’s insurance company. Unfortunately, these companies are only looking out for themselves, and have no interest in treating you fairly. In fact, insurance adjusters are known for using certain tricks to avoid offering you the settlement you deserve. Read on to learn more about insurance adjusters and what you can expect.

What to Know About Insurance Adjusters:

They will lowball you:

An insurance company’s first settlement is usually unfair, even if it does not seem so. That is why it is generally never a good idea to accept their first settlement if you have been injured.

They may downplay or deny your injuries:

Often, they will minimize, or outright lie about the extent of your injuries, arguing that they do not have to include the cost of your medical bills in your settlement. That is why you need to keep meticulous records of all your doctor visits, medical documents, and follow-up treatment.

They might twist your words:

Do not answer any questions asked by the insurance adjuster without the help of an attorney. They will likely twist your words in order to “prove” you do not need compensation.

Don’t go to their autobody shop:

When it comes to repairing your car, go to your regular body shop–not the one the insurance company recommends. They likely have agreements worked out with these companies and will lowball your estimate. You are not legally required to use their autobody shop.

They might ignore you:

If your insurance company tries to ignore you after you deny their first offer, do not simply wait to hear from them. The statute of limitations for personal injury claims in Maryland is generally three years. If you wait any longer than three years to sue, you will be barred from suing. They will often ignore you just so they can pass the statute of limitations.

Do not sign any documents without an attorney

An experienced attorney will help you navigate all of the above issues. Additionally, insurance company documents often include fine print that can be overlooked or misinterpreted. This is why it is necessary to speak with a personal injury attorney before signing anything or accepting any offers.

If you have been injured due to another party’s negligence, you will need an experienced attorney to fight for you. Contact our firm today to speak with a dedicated personal injury attorney.


The legal team at Markey & Orsi has proudly represented injured clients throughout the state of Maryland for almost 30 years. If you have been injured due to another party’s negligence and require strong legal representation, contact Markey & Orsi today to schedule a consultation.

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