Question: I was involved in a car accident. I am still treating and the adjuster told me that he is going to close my claim. Why?
Answer: Sadly, the answer is “because they can.” The insurance company can open a file and close a file with a few buttons on the computer. When I was an adjuster, all that was required was going to a screen and changing an O to a C. I assume they have made it even easier than that now. (Although, how they can make it easier, I don’t know!)
Seriously, that is all the insurance company has to do. Why do they do it? Because they get leverage. Many people think that if the claim is closed, then they cannot pursue recovery. This is simply not true. You have up until the statute of limitations expires to either file a lawsuit or settle your case. Whether the adjuster has an open claim or a closed claim is simply irrelevant to your rightts.
Do not let the insurance company bully you into settling or make you think that their decision to close your claim impacts you at all. If an insurance company is willing to pull this trick, then you have to wonder what else they will do. This should be a sign to contact an attorney immediately.
If you are unsure, contact an attorney to learn your rights. I always offer a free consultation to anyone injured in a car crash.