After a crash, the at-fault driver's insurance adjuster may seem friendly and eager to help. But the adjuster's job is to resolve your claim for as little as possible. In Maryland, where contributory negligence can wipe out a claim entirely, adjusters are especially motivated to find some fault on your part.
The Adjuster Works for the Insurer
Common Adjuster Tactics
Adjusters may request a recorded statement, push for a quick lowball settlement before you know the extent of your injuries, ask for a broad medical authorization, or use friendly conversation to get you to admit partial fault. Each of these can hurt your claim.
You are generally not required to give a recorded statement to the other driver's insurer, and you should be cautious about signing anything before consulting an attorney.
Why Early Settlement Offers Are Risky
Insurers often make a fast offer hoping you will accept before your full damages are known. Once you settle and sign a release, you usually cannot reopen the claim — even if your injuries turn out to be far worse than they first appeared.
Leveling the Playing Field
An attorney handles all communication with the insurer, prevents costly missteps, and builds the documentation needed to counter contributory negligence arguments. Studies and experience consistently show that represented claimants tend to recover more, even after fees.
A free case review can help you understand what your claim is really worth before you talk to any adjuster.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Maryland attorney.