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Home » Do’s and Don’ts When Interacting with Insurance Adjusters After an Accident

Do’s and Don’ts When Interacting with Insurance Adjusters After an Accident


The aftermath of an auto accident can be a chaotic and confusing time. In the following days and weeks, you will likely be contacted by insurance adjusters from not only the other party’s insurance company, but your own insurance company as well. The information you give these insurance adjusters can have major implications with regard to your potential claims and ability to recover the full compensation you deserve.  Because of this, great care needs to be taken when dealing with adjusters to ensure that your rights are protected.

At Nelson Personal Injury, LLC, we understand the common tactics used by insurance adjusters to try to minimize the compensation given to accident victims. We can help fight for full compensation and ensure your rights are protected from aggressive insurance companies and their trained adjusters.

Understanding Fault Laws and Insurance Claims in Minnesota

In Minnesota, understanding fault laws and insurance claims is crucial when navigating the aftermath of a car accident. In such a situation, knowing the dos and don’ts is vital to protect your rights and ensure a fair settlement.

Minnesota follows a no-fault insurance system, meaning that your own insurance company will typically cover a certain amount in medical expenses and wage loss, regardless of who was at fault for causing the accident.  The standard no-fault policy provides for $20,000 in medical expenses coverage, which also includes reasonable transportation costs.  It will also provide for $20,000 in wage loss and replacement services coverage.  Wage loss is available if you miss time from work to attend medical appointments, or if your doctor restricts you from working.  Wage loss benefits are paid out at 85% of your lost wages, capped at $500 per week.  Replacement services benefits are available if your doctor has restricted you from doing activities that you normally would take care of around your home, and you now need to hire someone to come in and take care of those things for you.  Replacement services are available for up to $200 per week, but are not available until the 8th day after the accident.

Minnesota’s no-fault system can be complex, and gathering and documenting all relevant information to support your claims is essential. When you first file a no-fault claim, the no-fault insurance company will require you to fill out an application for benefits.  Your policy may also require that you give a recorded statement to the insurance company, and submit to examinations with doctors hired by the insurance company.  Because of how the information provided in the application for benefits, a recorded statement, or a medical examination with an insurance company doctor can affect your right to benefits, it is important that you have the counsel and assistance of an experienced Minnesota car accident lawyer during this process.

If another party was at fault for causing the accident, you may be able to step outside the no-fault system and pursue a claim against the at fault driver and their insurance company if you meet one of Minnesota’s so-called “tort thresholds.”  These thresholds include if you have sustained a death; if you have 60 days disability; if you have a scar or disfigurement, if you have incurred over $4,000 in medical expenses, or have sustained a permanent injury.  If you do meet one of those thresholds, would be able to recover your damages from the at fault party and their insurance company, including your past and future medical expenses not paid for by your no-fault company, your past and future wage loss not paid for by your no-fault company, and your past and future pain, suffering, and emotional distress.

Nelson Personal Injury’s experienced Minnesota car accident lawyers have vast experience navigating the intricacies of personal injury claims and can help you navigate the challenging terrain of insurance claims to ensure your rights are protected.

The Role of Insurance Adjusters

Insurance adjusters play an important role in the car accident claims process, and understanding their function is vital for anyone involved in a personal injury claim in Minnesota.

Insurance companies employ and train insurance adjusters to assess and manage claims made against their company. They often investigate a claim, make a determination of coverage, and decide what, if anything, should be paid out on the claim.

In personal injury claims, insurance adjusters are tasked with determining the extent of liability and calculating the compensation owed to the injured party. This involves gathering evidence, interviewing witnesses, and assessing the potential damages in the claim.

It’s important to note that while insurance adjusters may try to appear impartial, they are employed and trained by the insurance company to pay as little as possible on a personal injury claim.

Often, you may be dealing with multiple different adjusters after an accident.  You may deal with one for your no-fault claim, one for your property damage claim, and one for your no-fault claim. Navigating interactions with insurance adjusters can be challenging, so it’s essential to be informed about the do’s and don’ts when dealing with them during the claims process in Minnesota.

The Do’s

When dealing with insurance adjusters after an accident in Minnesota, following these essential dos can significantly impact the outcome of your personal injury claim.  The most important Do, above all, is to consult with an experienced Minnesota personal injury attorney before communicating with any insurance adjuster.  However, if you choose not to do so, follow these basic recommendations to give yourself the best chance for success.

Gather and Document Information

Collecting and documenting information is the foundation of a strong personal injury claim. It’s vital to recognize the importance of this step, as it can greatly influence the settlement you receive. Start by gathering the following types of information:

  • Accident Details: Document the accident’s date, time, and location. Note weather conditions, road conditions, and any traffic signals or signs.
  • Contact Information: Obtain the names, contact information, and insurance details of all parties involved, including witnesses.
  • Injury Information: Keep records of any injuries sustained, no matter how minor they may seem. Seek immediate medical attention and maintain all medical records.
  • Photographic Evidence: Take photos of the accident, vehicle damage, injuries, and any relevant road signs or signals.
  • Police Reports: If law enforcement was called to the scene, obtain a copy of the police report.

Communicate with Caution

Effective communication with insurance adjusters is key to a successful claim. Always approach interactions politely and respectfully, even when faced with challenging discussions. Some things to keep in mind include:

  • Polite and Respectful Tone: Maintain calm and courteous when speaking with insurance adjusters. Avoid hostility or confrontation.
  • Clear and Accurate Statements: Be truthful and provide clear, concise statements. Stick to the facts and avoid speculation.
  • Avoid Recorded Statements: As a precaution, refrain from giving recorded statements without consulting an attorney. Recorded statements can be used against you later in the process.

Consult an Auto Accident Lawyer

Early consultation with an experienced auto accident lawyer is always a wise decision. Their expertise can guide you through the complexities of personal injury claims in Minnesota, ensuring that you receive fair compensation for your injuries and damages. Nelson Personal Injury, LLC is a trusted name in Minnesota car accident cases, known for its dedication to protecting clients’ rights and interests.

Review Your Insurance Policy

Understanding your insurance policy is often overlooked but crucial. Review the terms, coverages, and limits of your policy. Knowing what is and isn’t covered can prevent surprises during claims.

In Minnesota’s no-fault system, your policy may significantly cover medical expenses and property damage. Consulting with your insurer or attorney about policy specifics can clarify your position in the claim.

The Don’ts

Avoiding certain actions when dealing with insurance adjusters can protect your interests and enhance the outcome of your personal injury claim in Minnesota.

Don’t Give Recorded Statements

Providing recorded statements to insurance adjusters without legal counsel is not advisable. While adjusters may request these statements, it’s essential to understand the potential pitfalls:

  • Risk of Misinterpretation: Recorded statements can be used against you if your words are misinterpreted or omitted.
  • Inconsistent Statements: If you provide multiple statements, inconsistencies could be used to undermine your credibility.
  • Complex Legal Language: Insurance policies and legal jargon can be complex. Consulting with an attorney ensures you fully understand what you’re agreeing to.

Don’t Accept the First Offer

Resist the temptation to settle too quickly by accepting the first offer from the insurance company. It’s essential to recognize the importance of negotiation in personal injury claims:

  • Inadequate Compensation: Initial offers may not cover medical expenses, property damage, or other losses.
  • Role of an Attorney: An experienced attorney, like those at Nelson Personal Injury, LLC, can negotiate on your behalf to secure a fair settlement. They can assess the true value of your claim, considering long-term costs and future needs.

Don’t Sign Anything Without Legal Review

Signing documents without legal consultation can be risky. Always exercise caution and refrain from signing any documents related to your personal injury claim:

  • Potential Waivers: Some documents may include provisions that limit your rights or release the insurance company from future liabilities.
  • Legal Expertise: Having an attorney review the paperwork ensures you are protected and fully understand the implications of what you’re signing.

The Benefits of Hiring an Auto Accident Lawyer in Minnesota

When facing the complexities of a personal injury claim in Minnesota, enlisting the services of an auto accident lawyer can provide numerous advantages. At Nelson Personal Injury, LLC, we take pride in offering our clients unparalleled benefits tailored to their needs.

When you choose us to help you with your case, you will receive the following:

  • Expert Guidance: Our experienced team is well-versed in Minnesota car accident cases, ensuring you receive the best legal representation.
  • Negotiation Skills: We excel in negotiation, working diligently to secure the maximum compensation you deserve, covering medical expenses, property damage, and more.
  • Legal Knowledge: Navigating the intricacies of Minnesota’s no-fault system and fault laws can be daunting. We have a deep understanding of these legal nuances.
  • Personalized Approach: We understand that each case is unique. Our personalized approach means that we tailor our strategies to your specific circumstances.
  • Peace of Mind: With Nelson Personal Injury, LLC by your side, you can focus on recovery while we handle the legal complexities.

Taking the Right Steps After an Accident

When dealing with personal injury claims, adherence to the do’s and avoidance of the don’ts can make a significant difference in your claim’s outcome. At Nelson Personal Injury, LLC, we are here to guide you through this challenging process, ensuring that your rights are protected, and you receive the compensation you rightfully deserve.

If you or a loved one has been involved in an auto accident in Minnesota, please contact us. Our dedicated team is ready to assist you in your time of need. Your future is important; we are here to help you secure it.

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