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The following article was published in Your Health Magazine. Our mission is to empower people to live healthier.
Ben Glass, Esquire
Dealing With the Insurance Company
Benjamin W. Glass and Associates
. https://www.benglasslaw.com/

Dealing With the Insurance Company

Recently involved in an accident? Anxious about speaking to the insurance company? Well, I interviewed a former insurance adjuster about the accident claims process, and he had three important and simple tips for dealing with what can be a stressful process.

First and foremost, know your rights, your duties, and your obligations. Know that you have a contract with your own insurance company and that contract spells out the terms and conditions of what is required of the “insured” (which is you) in the event of an accident.

If you don't have a copy of the contract, simply ask for one to be sent to you. While you do have a written contract with your own insurance company, you don't have one with the at-fault party's insurance. This means that your duties and obligations to cooperate with that company are very different, and this may be where an attorney comes in to help you.

Second, whenever you talk with your own insurance or the at-fault party's insurance adjuster, be respectful and polite. Though it may be difficult at times, make sure to heed the golden rule, treat the adjuster as you would want to be treated if you were in his or her position. Much like a waiter who controls the food you're being served, the adjuster has a hand in how your claim will be processed. You will find your adjuster more responsive and more amiable when you're polite with him or her.

Third, be an active listener, take notes, and ask questions. The adjuster is going to be providing you with a lot of information and all that information can be hard to digest at once. Do not hesitate to ask the adjuster to repeat the information or to ask for clarification when you do not understand.

Adjusters can be very busy and hard to reach, so make sure you understand what's going on with your claim before you get off the phone. Doing so reduces the amount of times you have to play phone tag with the adjuster, saving your time and the adjuster's time.

You are your own advocate for your case, though you may choose to hire an attorney to take over dealing with the insurance company. By starting the process off on the right foot, you'll make your path to a recovery easier, even if it's not guaranteed.

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