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[Music] a lot of people get nervous and make a lot of mistakes when they're first talking to the insurance company regarding their insurance claim here are some elements to consider when you have your first call with the insurance adjuster so your initial call with the insurance adjuster can make or break your claim process when you start a new claim the insurance adjusters goal is to gather as much information about the accident to determine liability or who is at fault for the incident one thing you don't want to do is get your at fault for the accident unless you just rear-ended a vehicle or hit a parked car you don't want to tell the adjuster that you're at fault for the accident if meeting you're at fault could cause you a lot more trouble down the line if your claim was to go to court because it puts your lawyer and your insurance company in a difficult position when you try to defend you to reduce that monetary judgment against you what you want to do you first talk to the adjuster is to state the facts and only the facts of the accident only state what you were doing in the accident which lane you were in why you were driving on the roadway and the driving actions that you took in regards to if you were stopped accelerating breaking or turning now let's talk of the adjuster ask if you or anyone in the accident was injured if you are anyone in the vehicle transported to the hospital or were seriously injured from an accident I would recommend you retain an attorney to help with your accident claim once you retain an attorney the insurance adjuster cannot speak with you or anyone that they are representing directly about the claim and the attorney should look to help to get you the maximum settlement from the insurance company if you have injuries that are not serious the insurance adjuster will attempt to settle your injury portion of the claim with a cash payment settlement you can accept this cash payment if you would like and it does not stop your injury claim from going forward and I'll do a separate video about injury claims and settlements in the future finally if the adjuster is able to accept liability they will look to handle the damages to your vehicle they will either send out an appraiser to look at the damages where you are or they'll get your vehicle moved to a body shop now the owner of the vehicle has to approve the movement or transfer and the repair of the vehicle so do not allow the insurance company to tell you where you have to take your vehicle to get it repaired the insurance company cannot tell you where you have to get your vehicle repaired given that you or the owner sometimes insurance companies will direct you to one of their repair shops or force you to one of their repair shops they cannot do that that is illegal and is called steering so if any of that actually takes place you can always contact your department of insurance these are just some things to look to avoid when you're initially speaking with the insurance adjuster if you liked the video subscribe to the channel for more insurance information feel free to leave any questions or comments that you have in the comment section below and thank you for allowing the insurance quotient to keep you informed [Music]