I have seen a new trend with people calling me – and quite frankly, it is disturbing. Someone gets in a crash. They call the other party’s insurance company and report a claim. They get transferred to an adjuster. After a few questions, the adjuster says something along the lines of “We are sorry to hear that. You should go to the doctor. They can treat you up to 10 times.”
So they go. And they treat 10 times. But you know what? They are still hurt. But they stop treating. The adjuster makes them some ridiculously low offer. They don’t like it and then they call an attorney. By then, hopefully we can still help them.
The problem with this is simple: an adjuster should not be dictating your treatment. Just like I won’t dictate a client’s treatment, I leave that to the doctor. I figure I went to law school, not medical school. I need to let the doctors tell my clients what treatment they need, how often, etc….
The same applies to the adjuster. The adjuster, especially those front line adjusters, does not have a medical degree. They do know how to read a script, tell you what you are supposed to hear, and try to resolve the claim. Heck, some insurance companies are now offering you money, sent via electronic transfer to your account, if you settle in the first few days.
Do NOT let an adjuster dictate your treatment. Go to the doctor. Listen to the doctor’s advice. And make sure you make a full recovery! Oh, and talk to an attorney so you know your rights.