Charlotte, NC Law Firm
704-714-1450
FREE CONSULTATION 24/7
Financial Claim for Insurance after Injury in Charlotte, NC
Looking for a Charlotte Bar Fights Lawyer Near You?
Call Today!
Financial Claim for Insurance after Injury in Charlotte, NC

Insurance Adjusters Role In Personal Injury Claims

Our personal injury lawyers speak with clients everyday about their cases and what insurance company adjusters tried to do before our office became involved in the case.  The first thing insurance companies try to do, before the plaintiff speaks with a lawyer is take a recorded statement from the injured party.  We repeatedly tell our clients, as well as prospective clients, that this is one of the worst things an individual can do.  Consider that you have not legal obligation to speak with the insurance company.  In essance you are giving away all of the facts of your case and taking a risk the insurance company uses what you say against you.  Many times insurance companies will use what people say against them to deny their case.  Typically the questions insurance adjusters ask are tailored to fit the specific type of claim, for example, car accident or slip and fall etc.  Many times the questions are based upon receipt appellate case decisions and are asked knowing that a specific answer will void the claim.  Unwittingly individuals will answer the questions in such a way as to void their claim.  As such, we do not let our clients speak with insurance companies.

Another common action by insurance companies is getting individuals to sign medical releases.  A medical release allows the insurance companies to get your medical records.  Many times there are no restrictions on how far back and from whom the insurance companies can request these records.  Many times insurance companies request records from medical providers completely unrelated to your injuries from the car accident.  Clients are suprised to learn that the adjuster has requested ten years of their medical records and has knowledge of very personal medical information.  Individuals have no legal obligation to sign a medical release for the insurance company.

Many times insurance companies will offer to pay a small sum of money immediately following the accident before the client understands the full extent of their injury.  Many times, people settle their cases not knowing that this is a full and final release, regardless of what their injury turns out to be.  These offers are typically made immediately following a car accident, without the benefit of a lawyer, when the injured person is the most vulnerable.  Many times the insurance adjuster will show up at your house to discuss your claim.  They are clearly not doing this out of the goodness of their hearts but for the financial benefit of the company.  Unfortunately, the courts have held these releases are valid.  Once a release is signed it is nearly impossible to void it and reopen your claim.  While it may sound obvious it is recommended not to sign any document without the benefit of an attorney.

In some cases there is physical evidence. For example, if you are eating in a restaurant and bit down on some metal object which results in injury.  Insurance companies are very quick to request individuals to send them the object.  This should also be avoided as you are giving away key evidence in your case without the benefit of having it evaluated by an independent party.

The influence of sympathetic commercials have helped convince people that insurance companies are on their side. Whether you are in "good hands" and a "good neighbor" people begin to believe that they can trust insurance companies.  We stress to our clients that insurance companies are for-profit businesses that make money by taking in money via premiums and not paying out on claims.  They are designed to make money and as such, any and all actions are directed towards that goal.  Individuals should consult with an experienced personal injury attorney who can discuss your rights and options.  We offer free, no obligation consults to discuss your personal injury. We can set up a time to meet at our office or a location of your choosing.

Additional Bar Fights Personal Injury Premises Liability Articles

July 18, 2025
How a Charlotte Dog Bite Lawyer Can Help You Understand Your Rights

Dog bites can be scary and confusing, especially when they happen unexpectedly. One minute you're out for a walk or visiting someone’s home, and the next you’re dealing with a painful injury, medical visits, and the stress of what to do next. These situations often leave people unsure about their rights or how to handle […]

July 18, 2025
Best Approach to Personal Injury Claim in Charlotte, NC When You Want Results

When you're injured in an accident, it can feel like everything in your world shifts. Medical appointments start piling up. Bills arrive before you even leave the hospital. Calls from insurance adjusters don’t stop. On top of the physical pain, there’s the mental toll of trying to make smart decisions when you’re overwhelmed and unsure […]

July 17, 2025
How to Choose the Right Motorcycle Accident Attorney for Long-Term Support

Recovering from a motorcycle accident can leave you feeling overwhelmed, not just physically but mentally and emotionally. Whether you're dealing with serious injuries, hospital visits, or figuring out how to get your bike fixed, everything feels like it hits you all at once. It’s hard to know where to begin when it comes to protecting […]

July 17, 2025
How a Bike Accident Law Firm Helps Riders Recover Compensation

After a bike accident, it’s normal to feel shaken, confused, and unsure about what to do next. Many people assume the insurance companies will simply handle everything fairly. But the truth is, insurance adjusters don’t always have your best interests at heart. Whether you're dealing with physical pain, mounting medical bills, or a disrupted daily […]

linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram