How to Handle Insurance Adjusters After an Accident in South Carolina

Dealing with insurance adjusters after an accident in South Carolina can be a daunting task. Their role is to investigate claims and determine the amount of compensation you should receive. However, it’s important to remember that they work for the insurance company, not for you. Here are some tips on how to handle insurance adjusters to protect your interests and ensure a fair settlement.

Understand Their Role

Insurance Adjuster’s Job: The primary role of an insurance adjuster is to assess the damage and determine the amount the insurance company should pay. They are skilled negotiators trained to minimize the payout.
Not Your Advocate: Remember that the adjuster works for the insurance company, not for you. Their goal is to save the company money, which might conflict with your goal of receiving fair compensation.

Initial Contact

Be Cautious: When the adjuster first contacts you, be polite but cautious. Provide only basic information such as your name, address, and contact details. Avoid discussing the accident or your injuries in detail.
Refer to Your Attorney: If you have hired a personal injury attorney, inform the adjuster and refer all communications to your attorney. This can help prevent any accidental admissions or mistakes that could harm your claim.

Provide Limited Information

Basic Facts Only: Stick to the basic facts of the accident. Do not speculate or provide opinions about what happened. For example, provide the date, time, and location of the accident but avoid discussing fault or details of your injuries.
Avoid Recorded Statements: Politely decline any requests to give a recorded statement. You are not legally obligated to provide one, and it can be used against you later.

Document Everything

Keep Records: Document all communications with the insurance adjuster, including phone calls, emails, and letters. Note the date, time, and what was discussed. This can be important if there are any disputes later.
Save Evidence: Keep copies of all documents related to the accident, such as medical records, repair estimates, and receipts for expenses. These can support your claim and help ensure you receive fair compensation.

Be Wary of Quick Settlements

Lowball Offers: Be cautious if the adjuster offers a quick settlement. Initial offers are often lower than what you may be entitled to. Take the time to fully understand the extent of your injuries and damages before accepting any offer.
Consult Your Attorney: Before accepting any settlement offer, consult with your personal injury attorney. They can help evaluate whether the offer is fair and advise you on whether to accept or negotiate for a higher amount.

Know Your Rights

Understand Policy Limits: Be aware of the policy limits and coverage available under the insurance policy. This can help you understand what you are entitled to and prevent the adjuster from offering less than the policy allows.
South Carolina Laws: Familiarize yourself with South Carolina’s personal injury laws, including statutes of limitations and fault laws. This knowledge can empower you to better handle negotiations and ensure your rights are protected.

Handling Denials and Delays

Appeal the Decision: If your claim is denied, you have the right to appeal the decision. Review the denial letter carefully and provide any additional documentation or evidence that supports your claim.
Stay Persistent: Insurance companies may delay the claims process in hopes that you will accept a lower settlement out of frustration. Stay persistent and follow up regularly to keep the process moving.

Conclusion

Handling insurance adjusters after an accident in South Carolina requires caution, preparation, and a clear understanding of your rights. By providing limited information, documenting all interactions, and consulting with a personal injury attorney, you can protect your interests and work towards a fair settlement. Remember, the adjuster works for the insurance company, so it’s crucial to advocate for yourself and seek professional advice when needed.