Speaking With Insurance Adjusters After a New Jersey Car Accident

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Car accidents happen often and they can have serious consequences. If you are injured due to another party’s negligence, you may be entitled to recover compensation. Unfortunately, this means speaking with the other party’s insurance company. Speaking with insurance adjusters is notoriously difficult. Read on to learn more about insurance adjusters and what to expect.

They Will Lowball You

Often, the first offer from an insurance company is extremely low, even if it does not seem that way. They know that individuals who have been involved in car accidents are vulnerable and struggling to pay off medical bills. Their hopes are that you will accept the first offer in order to cover your expenses right away. But, this offer may not actually cover all of your expenses in the long run.

They Might Ignore You

If you do not accept their first offer, the insurance company may simply ignore you. This is done in the hopes that the statute of limitations will pass and you will no longer be able to sue. In New Jersey, the statute of limitations for a personal injury claim is generally two years from the date of the accident.

They May Downplay/Deny Your Injuries

Unfortunately, insurance adjusters have been known to downplay or even deny injuries. They may accuse you of lying about your injuries in an attempt to exclude medical expenses in your settlement offer. This is why it is so important to keep records of your doctor’s visits, medical bills, and follow-up appointments.

They Will Likely Twist Your Words

It is important that you do not answer any questions without an attorney. Insurance adjusters are known to ask loaded questions and twist your words to use against you.

You Do Not Have to Use Their Autobody Shop

If an insurance adjuster suggests a certain autobody shop, you do not legally have to go. Often, insurance companies and autobody shops have arrangements. The shop may give you the lowest possible estimate to fix your car. Instead, you should go to a trusted and reputable autobody shop near you.

Never Sign Anything Without an Attorney

It is important that you do not sign anything without having an attorney review it first.

If you have been injured due to another party’s negligence, you will want to speak with an experienced personal injury attorney. Contact us to discuss your case today.


Retaining an attorney after an injury-causing accident is the most effective way to ensure that you receive the compensation to which you are legally entitled. To learn more about how we can help you, call the Wilton Law Firm today at 732-275-9555 or send us an email through our online contact form.