A friendly adjuster's job is to close your claim for as little as possible. In Virginia, where contributory negligence can bar recovery, an adjuster's main goal is often to get you to say something that shifts a little fault onto you.
The Adjuster Is Not on Your Side
Avoid Recorded Statements
You are generally not required to give the other driver's insurer a recorded statement. These statements are frequently used against you later. Politely decline and refer them to your attorney.
Do Not Accept the First Offer
Early offers are typically far below the true value of a claim, made before the full extent of injuries is known. Once you accept and sign a release, you cannot reopen the claim.
Let an Attorney Communicate for You
The simplest protection is to let an attorney handle all communication. It removes the risk of an innocent misstatement defeating your claim.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Virginia attorney.