Trick Questions from an Insurance Adjuster Could Damage Your Car Accident Claim
As a motorist, you are aware that there are certain auto insurance requirements established by the California Department of Motor Vehicles and noncompliance can lead to serious penalties. At minimum, you must have $15,000 in coverage for personal injury or death to one person, $30,000 for casualties to more than one person, and $5,000 for property damage. What you may not realize is the legal process behind the insurance laws if you are involved in a crash. To recover compensation from the at-fault driver, you must file a claim and deal with an insurance adjuster. It is this person’s job to review your claim, investigate, and either pay or deny it.
However, it is also the adjuster’s job to protect the insurance company’s bottom line. In doing so, these employees will often use deception to get information from your – details that harm your interests. Therefore, your first priority after a crash should be retaining an Oakland car accident lawyer who will advocate on your behalf. If you are contacted by the insurer before you obtain representation, here are a few trick questions you should avoid answering.
How did the accident happen? Insurance adjusters know that they have solid grounds to deny payment if you admit fault when describing how the crash occurred; even if you are just partly responsible, your compensation reduced. Never provide information on the causes and underlying factors to anyone except your lawyer.
What injuries did you suffer in the auto crash? The insurer’s employee might ask you this question to get an idea of the severity of your injuries, since this aspect of your claim could make a up a substantial portion of your payment. You should allow your medical records to speak for themselves in describing your bodily harm, treatment, and the recovery process.
Do you mind if I record this conversation? Make no mistake that the answer is always NO – even if the insurance adjuster tells you that it is necessary for quality control or training. You should never agree to have your conversation be recorded, so politely decline. You should not be providing any information anyway, since your statements could harm your interests. Once your words are captured, they can do even more damage.
Would you sign a release? This question will typically come after the insurer’s employee makes an offer to settle your claim. By signing a release, you give up all legal remedies and cannot seek additional amounts.
Did you retain an attorney for your vehicle collision claim? The best advice is to obtain a lawyer right away, so you can honestly answer YES. If you have not, you can deflect the question by stating that you are in the process of talking to potential candidates.
Trust an Oakland Car Accident Attorney to Answer the Adjuster’s Questions
Instead of putting your rights at risk, allow our Oakland car accident attorneys at Venardi Zurada, LLP to handle conversations with the insurance company. To learn how we can help, please contact our offices to schedule a free consultation.
You can be confident in relying on our zealous and effective Oakland personal injury lawyers:
We have served Northern California for over 35 years.
Our attorneys have been honored with numerous accolades, including SuperLawyers, AV Rating, and Top 100 Trial Attorney Awards.
In our decades of legal service to the community, we have garnered a substantial reputation. We are respected by opposing counsel, feared by insurance companies, and followed by jurors.
We combine Big Firm experience with boutique office attention and care. Several of our attorneys have experience working for the biggest law firms in the country, including the most prominent maritime defense law firm. Our attorneys rely on that big-firm know-how but prefer the personal touch of a smaller firm, allowing us to provide individualized and attentive representation to each of our clients.
We’ve been through it, too. Attorney Mark Venardi had to personally deal with a medical malpractice injury he suffered at a time when he was working a blue-collar job on an offshore oil rig; he knows what it’s like to be a working man dealing with a personal injury. He built his way up to working for the biggest maritime defense firm in the country, before deciding to focus on helping people like himself who were hurt by negligence and mistreatment from others.
We like to fight for the underdog. Attorney Martin Zurada is an immigrant and the son of immigrants who tirelessly worked his way up through education and experience to attain the American dream. Even though he has served in large, high-level litigation law firms, he prefers helping clients directly, fighting against injustices, and securing victories for the little guy who has been wronged.
We win. We have secured multi-million dollar verdicts and settlements. In our combined tenure, we have recovered tens of millions of dollars for our clients across our broad areas of practice.
We care first and foremost about our clients. We dedicate ourselves to serve each and every client personally, and we make ourselves available to our clients around the clock.
There is no cost to you until we win. If we don’t make a recovery for you, we will not collect a fee. And all initial consultations are free of charge.
Dedicated Areas of Practice
We offer a wide range of litigation services for Oakland personal injury and employment law clients. Specifically, our areas of dedicated practice span the following issues:
Employment Law. California employers must assure proper pay to employees and comply with a variety of rules and regulations to prevent discrimination and unfair treatment of employees. We represent victims of wage and hour violations, employment discrimination, workplace harassment, retaliation, wrongful termination, and any other form of California workplace mistreatment. If you believe you were treated inappropriately at work, we can help.
Personal Injury. If you’ve been injured due to another’s negligence, you deserve compensation. That’s where we come in. As Oakland personal injury attorneys, we right the wrongs done to our clients. And we do it at our cost during the entire duration of your case. There is never any fee until we win. Give us a call if you have been hurt in a car accident, by a toxic spill or contamination, as a result of medical malpractice, due to abuse or neglect, in a maritime accident, by a vicious animal attack, or any other incident caused by someone else’s negligence.
The Sooner You Speak to an Oakland Injury Lawyer, the Stronger Your Chances for Recovery Will Become.
Contact the Oakland injury lawyers at Venardi Zurada today, and let’s get started. We are available to talk any time, so whether you call, email or chat online, we’ll respond and set up an appointment to meet you. We have several Spanish speakers in the office and welcome the opportunity to cater our services to Oakland’s Spanish-speaking population. You pay no fee until we win for you, so you have nothing to lose by contacting our office for a free consultation. The sooner you call, the faster we can start getting results for you. Call 925-937-3900.