3 Things the Insurance Adjuster Won't Tell You

Hello, internet. Three things the insurance company might not tell you after a car accident. I'm

Henry Beam, Arizona injury lawyer and former prosecutor. Now, every state's a little bit different.

These are broad strokes, not legal advice on your case, but let's get into it. Number one, that

friendly call from the other driver's insurance company is evidence, right? It's called a recorded

statement. Generally, you don't have to give them. This recorded statement, and you can always talk

to a lawyer first. And I highly recommend you talk to a lawyer before going on record for a recorded

call. Now let's just think about that. The insurance adjuster's calling you are talking to people

all day long, right? They are good at it, they've got a script, they know exactly what they're

trying to get out on record, and you do not want that statement. To come back and bite you at some

point later on in the case. No, you don't. Number two, talking to the adjuster doesn't stop the

clock, right? The statute of limitations clock. Now every state has a deadline to file an injury

lawsuit in Arizona. It's generally two years from the data loss or the date of the actual incident.

Your state could very well vary, right? But just by talking to the adjuster and working, that does

not mean the clock stops. You wanna contact a lawyer and understand important timelines and

deadlines immediately. Put them on your calendar. Whether you hire an attorney or not, you have to

know these deadlines because I can promise you the insurance company does. And number three, might

not be something the other insurance company says or talks about at all, but your own policy. might

have coverage for you. Let's say the other driver had, let's say, no insurance or not enough

insurance, your uninsured or underinsured motorist coverage may help up to the limits that you have

chosen. Now if you're asking yourself, hey Henry, what the hell is that stuff? I'd never heard about

that. Call your car insurance company tomorrow. If it's Saturday, call them on Monday. These are

relatively inexpensive elections, but they can provide Massive coverage in case you were hit with a

driver without sufficient insurance. Uninsured, underinsured motorist coverage. Call your carrier,

tell your loved ones, tell your family, tell your friends. It's worth the extra little payment to

make sure you're covered just in case you get hit at no fault of your own by somebody who does not

have enough insurance to cover your situation. Those are the three things that you need to know

about a personal injury case. And hey, if you're in Arizona, call me. The consultation's always

free. Anywhere else, find a licensed attorney in your state. It's the best move you can do after

you've been hurt, no fault of your own, by somebody else's reckless driver.