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What Not to Say to An Insurance Adjuster 

A car accident can be a violent and hectic event. You may need some time to get your thoughts in order and reflect on the details of the incident. Unfortunately, time may not be on your side when you are dealing with an insurance adjuster.

insurance adjusterInsurance adjusters may want an immediate and complete account of the accident. They can disarm you with their friendly demeanor and polite and caring attitude. However, underneath the charming exterior, insurance adjusters have one job to complete. Their job is to prevent the company they work for from losing money by paying out large settlements. Their push for a quick and detailed summary of the accident can end up costing you money.

Before you find yourself on the receiving end of a claims call, the team at Sampson Law Firm wants you to consider this list of things to never say to an insurance adjuster.

Do Not Offer an Apology

Apologizing for an accident is one of the worst things you can do when you’re talking to an insurance adjuster. Saying that you are sorry in any form can be taken as an admission of guilt for causing or contributing to the cause of the accident.

Kentucky is a pure comparative fault state, meaning the damages you recover following an accident may be linked to your level of fault for causing an accident. The pure comparative fault rule technically only binds Kentucky court judgments. However, insurance adjusters take into consideration how a court would rule when placing a value on a claim. Saying you are sorry can, therefore, ultimately diminish the value of your claim.

You Aren’t “Fine”

It has become an automatic response for many people. When they are asked how they are doing, the immediate and easiest response is generally, “I’m fine.” These are two words that you do not want to use when talking to an insurance adjuster. If you are uncomfortable talking about the extent of your injuries or you have not seen a physician yet, politely decline to talk about your health. Downplaying your injuries or telling an insurance adjuster that you are fine will hurt your ability to seek compensation for your injuries. Remember, you do not have to disclose your medical information to an insurance adjuster.

Do Not Speculate

talking with insurance adjusterWhen talking to an insurance adjuster, supply only the facts. Do not speculate or offer opinions about what you think caused the accident. Avoid saying:

  • I think
  • Maybe
  • The other driver must have been…

It is always best to avoid giving an insurance company an oral statement or letting them record your call as their official account of the crash. If the insurance company wants an official record of the crash, talk to your attorney and allow them to help you communicate with the insurer. A written statement is also more appropriate than an oral statement. Be sure everything is factual and accurate. Embellishments or statements of opinion can hurt the value of your claim.

Don’t Say “Yes” to the First Settlement Offer

Since insurance companies are out to improve their own bottom line, you can be sure that the insurance adjuster’s first settlement offer will be quite low. Do not accept it, no matter how desperate you may feel for a cash infusion at the time.

First, if the offer is made soon after the accident, your injuries may not have fully manifested yet. What if you agree to a settlement offer right away and then it turns out that you have a concussion or a neck injury that only comes to light weeks after the accident? If you’ve accepted their settlement offer, you won’t be able to get the insurance company to pay for the medical care you need for those conditions.

Second, if you accept the first low-ball offer the insurance company makes, you can be sure it won’t adequately compensate you for any future medical care you may need, or any future loss of income that results from the accident. You need the assistance of a knowledgeable attorney to help you accurately assess the value of your claim. Your attorney will know how to take into consideration all your medical expenses, lost wages, accident-related property damage, and intangible losses to arrive at a number that will provide fair compensation for your injuries.

Contact a Kentucky Car Accident Attorney Today

These rules are a great jumping-off point for navigating the confusing ordeal of talking to an insurance adjuster post-accident. Want to make communication with an insurance adjuster even easier? Get in touch with an experienced Kentucky car accident attorney immediately.

At Sampson Law Firm, we can help manage all communication between you and the insurer. Our legal team can also collect evidence that will support your claim as we negotiate for the maximum compensation possible. To talk to one of our skilled car accident attorneys, call (502) 584-5050 for a free and confidential consultation.

How to Prevent Autumn Car Accidents

A new season can bring dangerous conditions and various hazards motorists didn’t face during the summer months. Autumn can present a range of obstacles for drivers.

Although many people think the conditions faced during winter in cold climates are the most dangerous, the fall can create unique challenges. Multiple factors can increase the risk of a car crash when summer turns to autumn.

You might know traffic laws and follow them explicitly. However, it’s often difficult to avoid potentially dangerous situations if you don’t know about them. If you encounter hidden hazards, you could end up in an accident and suffer severe injuries.

It’s necessary to take the appropriate precautions to keep yourself and others safe on the road. Follow the tips below to prevent an autumn car accident.

Perform Routine Maintenance on Your Car

Maintenance is crucial to the upkeep of any vehicle. If you don’t bring your car in for an oil change, tire rotation, or inspection to locate potential problems, a part or system could cause the entire vehicle to malfunction. If you lose control, you can end up on a collision course with another driver, pedestrian, or stationary object, such as a telephone pole.

Schedule an appointment with a mechanic or dealership. They can top off your fluids, put more air in your tires, and check for faulty parts or defects. If there’s damage to your vehicle, they can repair it immediately. They can also replace a part recalled by the manufacturer.

Reduce Your Speed in Dangerous Conditions

winter car accidentTemperatures stay mild in Kentucky during the fall. Typically, you don’t see snow or ice until the winter months. However, you can still face dangerous conditions.

Motorists can face hazards during heavy rain and severe thunderstorms. The roads can become wet, making the pavement slippery. If you exceed the speed limit or drive recklessly, your car could skid out of control and crash into a nearby vehicle or ditch. Heavy rainfall can lead to flooding, causing a car to hydroplane. Downpours can also cause visibility issues.

Leaves can fall to the ground when the seasons change, covering up defects in the road. A pile of leaves can hide a pothole, tree branch, and other debris. If you’re driving too fast and run over any of these hazards, you could get a flat tire or swerve into an occupied lane or oncoming traffic.

Stay Alert Near Other Cars

The roads become more congested during autumn. That’s because residents return from summer vacation and children go back to school. When there are more vehicles on the road, the likelihood of an accident increases.

Commuting each day means you can cross paths with an inattentive or distracted motorist. Although you can take precautions to remain safe, there’s nothing you can do to prevent others from behaving recklessly at the wheel.

You should focus on your surroundings at all times, even if you’re driving only a couple of miles from home. If you encounter a speeding driver, get out of their way and try to maintain some distance from them. If you see someone drifting towards your lane, try to merge into a different lane or slow down so you can avoid an accident.

Proceed with Caution Near Schools

School is already back in session when fall comes around. You will likely encounter more buses on the roads if you drive anywhere in the morning or afternoon. Instead of taking the bus, some kids walk, which means you’ll see an increase in pedestrian traffic.

Thoroughly check for children crossing the street at every crosswalk. You should always slow down and proceed with caution. If you’re not paying attention, you may not see a kid already in the middle of the street.

Traffic laws require every motorist to reduce their speed when approaching a school zone during specific times of the day. If you see flashing lights, slow down and observe the area carefully for children. If you speed through the school zone and lose control of your car, you could crash into a child pedestrian on the sidewalk.

Nighttime Driving is Safer with Headlights

nighttime drivingTurn on your headlights whenever you drive at night. The end of Daylight Saving Time means it gets dark earlier in the day. Your lights can help you see pedestrians, other vehicles, and hazards on the road.

If your headlights stay off, you won’t be able to see what’s happening around you. Additionally, other drivers won’t see your car.

Contact an Experienced Car Accident Attorney from Sampson Law Firm

Since 1997, our legal team has represented accident victims needing guidance and support during the most difficult times in their lives. We understand how traumatic it can be to suffer injuries because another person chose to drive recklessly. You can depend on us to fight by your side until the end and seek the compensation you deserve.

If you were injured in a car accident in Kentucky due to someone’s negligent actions, call Sampson Law Firm at (502) 584-5050 for a free consultation.

Blackwater Road accident victim is Laurel County’s 13th fatality of the year

A single vehicular crash that transpired on Blackwater Road (Kentucky Route 1803) in Laurel County, Kentucky on Thursday, December 15 at around 7 a.m. resulted in the death of 66-year-old Marydell Road in London resident Donnie Ray Smith, who was considered the county’s 13th fatality of the year.

Investigators have suggested that the man had been traveling east on Blackwater and left the road briefly while on a curve, overcorrecting and going into the opposite ditch, rolling several times. He was pronounced dead on the scene.

A Barbourville woman who was killed on November 30 along Kentucky Route 229 during a single vehicular accident had been the last fatality for the year until Smith’s death. Other fatalities included a pedestrian getting struck by an oncoming vehicle, three that involved an all-terrain vehicle, and one that involved a motorcycle. The fatality count was nearly double that of the previous year.

Our most sincere condolences from Sampson Law Firm go out to the victim and his loved ones.

Bowman two-vehicle collision kills two

Two people lost their lives during a deadly two-vehicle collision that happened on Monday, November 28 before 2 p.m. at Taylorsville Road and Betty Lane near Louisville, Kentucky.

According to preliminary investigations, as reported by Louisville Metro Police spokesman Dwight Mitchell, a sedan driver attempted to make a left turn from Dutchmans Lane towards eastbound Taylorsville Road and crashed into a pickup truck that was headed west on Taylorsville Road.

The driver and the passenger of the sedan were declared dead at the scene of the accident. The driver of the pickup truck, on the other hand, was brought to the University of Louisville Hospital to receive immediate medical attention for his minor injuries.

Our most sincere condolences from the Sampson Law Firm go out to the victims and their loved ones, as well as hope for the speedy recovery of the surviving driver.

Two dead in Bowman Field collision

Two people lost their lives after a two-vehicle collision occurred near Bowman Field on Taylorsville Road. The accident, which occurred near Betty Lane in Louisville, Kentucky, happened last Monday, November 28.

According to preliminary investigations made by local police, a white pickup truck was traveling west on Taylorsville Road when it collided with a green car that was trying to turn onto Taylorsville Road. The passenger and the driver in the car died at the scene of the accident, police said. On the other hand, the driver of the pickup truck was brought to a nearby hospital for the immediate treatment of his non-life-threatening injuries. Police are still investigating the cause of the accident.

At the Sampson Law Firm, we see the aftermath of tragic car accidents far too often. Our sincerest thoughts and condolences are with the family and friends of the victims as they mourn the sudden loss of their loved ones.

McCracken County vehicular accident injures four teenagers

McCracken County Sheriff’s Department deputies reported a single-vehicle accident, which occurred around 11:16 p.m. on Friday, November 11 in the 5700 block of Old Mayfield Road, caused injuries to four teenagers.

According to preliminary investigations, 16-year-old Paducah resident Jacoy-ce Hunt was driving along Old Mayfield Road when he lost control of the vehicle by swerving to avoid an animal standing in the middle of the road. The swerve caused the vehicle to hit a culvert before flipping over. Hunt and three other teenagers between the ages of 14 and 16 sustained non-life-threatening injuries. They were all taken to Lourdes Hospital to receive medical attention.

A personal injury accident does not cause only emotional and physical trauma, but also forces victims to undergo a painful recovery process involving expensive medical bills as a result. If you were the victim of a personal injury accident due to the negligent actions of other people in Louisville and other areas in Kentucky, get in touch with our attorneys at the Sampson Law Firm by calling our offices today at (502) 584-5050 so we can help you file the appropriate lawsuit.

Two killed in Hebron vehicular accident

Two residents of Louisville, Kentucky lost their lives in a vehicular accident in Hebron on Saturday, October 22. The Boone County accident killed 27-year-old Benkat Prashant Kommu and 25-year-old Raja Sakar Reddy Yarmala.

According to preliminary investigations made by police investigators, the driver of the vehicle veered off the roadway, went airborne, and then crashed into a tree. Although Kommu and Yarmala were killed because the vehicle lost control, a third passenger and the vehicle’s driver remained unharmed during the incident. Police investigators are currently conducting further probes into the matter to find out what factors might have contributed to the crash in the first place.

At the Sampson Law Firm, our attorneys handle tragic and fatal cases such as this one far too often. Our thoughts and condolences are with the friends and family of the victims in this accident as they mourn the loss of their loved ones.

One dies in Outer Loop vehicular accident

A woman lost her life and another was injured on Saturday, October 22 just before 5:30 a.m. in a hit-and-run accident near the corner of Outer Loop and Grade Lane in Louisville, Kentucky.

According to Louisville Metropolitan Police Department spokeswoman Alicia Smiley, the two women were riding in a Dodge Caliber westbound along the Outer Loop when a Volkswagen Jetta turning onto the road from Grade Lane collided with their vehicle. This incident caused the two women to get out of their vehicle. As they were standing near their car and surveying the damage the collision brought on, a Chevrolet 1500 pickup truck headed east on Outer Loop crashed into the two women and their vehicle. The driver of the pickup truck left the scene of the accident. One of the women died because of her mortal injuries at the scene while the other woman was transported to the University of Louisville Hospital for treatment of her injuries of an unknown nature.

The Louisville Metropolitan Police Department is asking the public who may have information regarding the incident to contact them by calling 574-LMPD (5673).

One dead and one hurt in Louisville single-vehicle accident

One individual lost her life and another sustained minor injuries after a single-vehicle accident, which occurred around 11 p.m. last Sunday, October 2. The accident happened as the driver attempted to use the ramp at Gene Snyder heading northbound to merge onto Interstate 64 East in Louisville.

The coroner identified the deceased victim as 28-year-old Jessica Smith, who was driving at the time of the accident. According to preliminary investigations, Smith lost control of the wheel, causing the vehicle to flip over. In the process, Smith and her male passenger were both thrown out of the vehicle. Police officers noted that neither the driver nor the passenger had a seat belt securing them at the time of the incident. They flipped and hit the guardrail on the interstate. Smith’s passenger is receiving treatment at University Hospital.

At the Sampson Law Firm, we see tragic accidents such as this one far too often. Our condolences are with the family of the victim as they mourn the loss of their loved one.

School bus-vehicle collision kills woman

A school bus-vehicle collision that occurred just before 9:30 a.m. on Friday, August 26 in the 10000 block of Indiana State Road 62 near Indiana State Road 3 in Charlestown, Indiana resulted in the death of one woman.

Charlestown Fire Department Battalion Chief Andre Heal said a school bus was at a full stop at a railroad crossing when the vehicle crashed into it.

A woman, who had her daughters with her in the vehicle when the accident took place, was driving the car. She died at the scene fo the accident. The victim’s daughters were brought to Kosair Children’s Hospital in Louisville and are expected to make a fast recovery.

Charlestown police are conducting further investigations into the matter to find out what caused the crash in the first place.

Our thoughts at Sampson Law Firm go out to the victim and her family. We understand that accidents involving large vehicles are often very tragic.