Insurance claim recorded statements. They typically go just fine, but sometimes the insurance adjuster makes use of tricks and gimmicks to get you to say items you should not say.
So maintain a claims diary. This protects you, the policyholder or claimant, if and when you have issues with your claim.
Get a notebook or legal pad and create down Every little thing that occurs Each and every DAY during your claim process. By no means trust your memory.
When you speak to any person about your claim, compose it down.
Let’s speak about recorded statements and your claims diary.
Recorded statements are a typical portion of the claims approach. Claims adjusters generally like to get a recorded statement from all the parties in the loss early in the claims approach. That way, the facts of the claim are nonetheless fresh in everyone’s minds, and can be documented much more accurately. Do not be nervous about becoming recorded.
If the claims adjuster calls and requests a recorded statement more than the telephone, politely tell him that you choose to meet with him in person. The best scenario for you would be to meet the adjuster at your attorney’s workplace, and give the recorded statement in the presence of the lawyer. Even uncooperative or moody adjusters look to be on their very best behavior in the presence of an lawyer.
If the insurance adjuster or examiner only does recorded statements by telephone, simply have the adjuster do a three-way conference get in touch with with you and your lawyer.
On an in-particular person interview, the adjuster will have his portable tape recorder with which he will record the interview. You should also bring a portable tape recorder and tape the interview for your own protection. You can purchase a hand-sized cassette recorder at any electronics retailer or discount department shop…even major drug shop chains for much less than $40.00. They use regular cassette tapes and batteries. The microcassette recorders function wonderful, as well, and expense about the very same. Make certain that you have plenty of fresh batteries and a few cassette tapes with you at the interview.
When the adjuster is recording your statement, do not Offer any data. Answer the query that he asked, and no more.
Don’t forget that some questions do not deserve an answer.
Have you ever been in an interview, or some social predicament, and an individual asked you a query that produced you uncomfortable? And you ANSWERED the question so they didn’t feel you had been impolite? Then later you hated your self for becoming a doormat?
Individuals feel a want to be good. Adjusters take benefit of people’s want to be good. Adjusters know that most folks will answer whatever concerns look affordable, even if the query is not relevant to the claim. Individual questions that do not have relevance to your claim need to not be answered. Queries about your income, or asking for your Social Safety number, could not be relevant to the claim. Queries about your earnings, for example, are not appropriate unless you are producing a claim for lost wages.
One of the reasons that adjusters ask for your Social Security number is so they can appear you up on a database known as Insurance Service Office (ISO) Claimsearch. If you want to see what the Claimsearch homepage looks like, go to: claimsearch.iso.com/index.asp
Claimsearch is a searchable database that shows if you’ve ever had an insurance claim just before. With your Social Security number, adjusters and claims examiners can call up all the information about you…Without having YOUR PERMISSION.
If there’s a query that the adjuster asks that you don’t feel comfy answering, politely reply “I’d rather not answer that question.” Often adjusters ask inappropriate concerns. Make certain that the adjuster sticks to the facts of the accident or loss. If you happen to be in an attorney’s office at the time of the recorded statement, he’ll help the adjuster keep on track.
My belief is that you, the policyholder or claimant, ought to record each and every telephone conversation and face-to-face conversation that you have with anybody about your claim. The same electronics outlets that sell the cassette recorders will stock a “pick-up” microphone that plugs into your cassette recorder and has a suction cup that sticks to your telephone handset. The high quality of the sound is generally fairly great.
I’m not suggesting for a moment that you ought to do something illegal or unethical. You need to have to examine your state’s statutes and laws about recording conversations. Some states do not let it unless both parties give consent. Some states allow it if only one of the parties is aware that the conversation is being recorded.
Know the law, and know your rights.
Do not be surprised if some adjusters refuse to have their conversations recorded. That does not imply that you ought to cave in to their lack of cooperation. You ought to insist on the recording, or politely refuse to speak with that individual. But, it ought to inform you one thing about that individual if he or she refuses to be recorded.
Be in handle of when and exactly where you accept phone calls about your claim. I’ve seen some adjusters that try to keep the insured off balance by generating calls at uncommon instances, like early morning or late night. If you are not prepared to record the contact when the phone rings, inform the particular person that it is not hassle-free to speak proper then and make an appointment to contact him back. Often maintain your appointments.
I can envision that some of you reading this post feel that this author is some sort of paranoid kook. Please let me assure you that I am. But I’ve seen numerous situations in which an adjuster took a recorded statement, and then wrote a statement summary that wasn’t anything like the info on the tape. I’ve noticed police officers fill out an accident report, and describe the accident fully wrongly. I’ve noticed court testimony where the adjuster and the insured are questioned about an incident, and their stories are fully various.
Recordings of conversations put all of that to rest.
After you have a issue with a individual who lies to you, or about you, it’s also late to record them then.
The old adage is, “better safe than sorry.” Sorry can expense you thousands of dollars. Hold a claims diary.