Do I need a lawyer to deal with an auto insurance adjuster?

FREE Auto Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top auto insurance companies and save!

Things to Remember...
  • Their job is to keep costs down for the insurance company, so they’re probably not looking out for your best interests
  • If you feel that the auto insurance adjuster gave a fair assessment of the damages to your vehicle and any medical bills you incurred, then there would be no need to approach a lawyer
  • Find out what the statute of limitations is in your state for filing the claim and the appeal, and make sure you do it well before that deadline
  • A personal injury lawyer has more experience than you and knows the right people to find out the necessary information quicker and easier than you could


The short answer to this question is a resounding “probably.”

If you feel that the auto insurance adjuster gave a fair assessment of the damages to your vehicle and any medical bills you incurred, then there would be no need to approach a lawyer.

However, if you disagree with the auto insurance adjuster’s assessment and have gone to your insurance company without coming to an agreement, then you should find yourself a lawyer to represent you against the insurance company.

Confused about auto insurance? Make it easy on yourself—simply enter your zip code in the free quote tool above and get the auto insurance rates that fit your needs now!

Remember that adjusters work for the auto insurance company—not for you.

Their job is to keep costs down for the insurance company, so they’re probably not looking out for your best interests.

While you may be new to the whole ordeal, insurance adjusters deal with claims and claimants for a living, so you can bet they’re good at keeping payouts to a minimum.

How do I know if the settlement is a fair one?

Dollarphotoclub_102582869-1600x1600

Just like the expression that “the best defense is a good offense,” your best protection is to understand your auto insurance policy, even before you get into a car accident.

Make sure that you choose an affordable deductible and carry enough insurance coverage for your situation, such as collision protection and medical coverage.

If your insurance company processes your auto insurance claim and offers you a sum that will pay for your all of your auto repair bills or any medical bills you incurred from the accident, minus the deductible, then you should agree to the settlement.

Insurance coverage isn’t supposed to be profitable for you—it’s there to make sure you don’t go bankrupt trying to pay for any bills all by yourself.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

How do I file an appeal with the insurance company?

After an auto accident, you may have to file a claim with the insurance company for damages to your vehicle, personal injuries sustained in the accident, or both.

If you feel that the amount of money the insurance company is providing to pay the repair or medical bills is too low, you should file an appeal.

Find out what the statute of limitations is in your state for filing the claim and the appeal, and make sure you do it well before that deadline.

Do as much of the appeals process as possible by letter, so that you have evidence of every action you take, along with the date it’s taken.

If you must speak on the phone, record the date and time of the call, as well as the insurance representative’s name, title, and direct phone number.

If you can, hire a lawyer to at least look over your documents, checking for errors and any important information you might have missed.

Can I save money by dealing with the insurance company by myself?

adobestock_39049619-1600x1600

If you want to see if the insurance adjuster is treating your case fairly but don’t want to hire a lawyer, you’ll have to do the legwork yourself.

You can do the same work they do:

  • finding out whether the mechanic’s costs to fix your car are fair,
  • whether your medical costs from the accident are below or above average
  • whether you’re entitled to wage loss benefits

However, this can be time-consuming, and it might cost you in other ways, including lost work time, which translates to lost wages and frustration.

A personal injury lawyer has more experience than you and knows the right people to find out the necessary information quicker and easier than you could.

Additionally, you’ll likely find talking to the insurance company and the adjuster a frustrating experience, and, at some point, they might even stop answering your calls.

If it gets to this point, you’ll definitely want to hire a lawyer to represent your side of the claim.

Another thing to keep in mind is that a lawyer will know what your case is worth and will settle a claim with the insurance company for much more than the adjuster would have recommended to you.

So, any money you might have saved by going it alone would be reflected in the amount of your settlement with the insurance company.

A lawyer, while costing more, will also try for a larger settlement, which would make you more money in the long run.

Find the policy that fits your needs by entering your zip code in the free tool below. Get free online auto insurance quotes now!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]