Soon after an Iowa accident, you will likely hear from an insurance adjuster who sounds friendly and helpful. Remember that the adjuster's job is to protect the insurer's bottom line, not to maximize your recovery.
Common Adjuster Tactics
Adjusters may ask for a recorded statement, push a quick lowball settlement before you know the extent of your injuries, or ask you to sign broad medical authorizations. Each tactic is designed to reduce what the insurer ultimately pays.
What Not to Say
Avoid admitting fault, speculating about your injuries, or downplaying your symptoms. Under Iowa's 51 percent fault bar, even small admissions can be used to shift blame onto you and reduce or eliminate your recovery.
Protecting Yourself
You are generally not required to give a recorded statement to the other driver's insurer. Politely decline, and consider having an attorney handle communications so your words are not used against you.
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 Iowa attorney.