(1) Insurance adjusters are paid employees of the insurance company. They are skilled at negotiation, and are advised by experienced insurance company lawyers who know the law. Together, they know all the strategies to keep you from hiring a lawyer, and to get you to settle your claim quickly for as little money as possible. They are not your friend. They are working against you, actively trying to see if they can get you to accept little to no money at all to settle your claim. They may tell you things that are not true, and even pretend that you are not entitled to compensation, to see if you will fall for it. You should not be talking to them.
Imagine being involved in a serious motor vehicle accident that results in significant personal injuries, medical bills, and lost wages. Under these circumstances, you would be correct in assuming that the insurance company for the person who caused the accident and your injuries would be "on-the-hook" to compensate you for your losses.
Whether it be in a car accident, slip and fall, construction accident, or any other incident where you are injured and it is not your fault, your number one concern should be getting better. Sadly, for many folks, a close second to that concern is, "without health insurance, what do I do about my medical bills?" The purpose of personal injury claims, whether they be injury lawsuits in court, or claims settled through insurance companies, is to get full compensation for the victim -- including payment of medical bills. What many injured people do not realize is that from the time you are injured until the time your claim is resolved, those medical bills need to be dealt with. A good personal injury attorney can help you with that process. Whether it be getting payment plans set up, getting the bills deferred, managing liens that may be filed, or uncovering medical payment coverage you never knew you had, an attorney is your best resource for getting medical bills not only potentially paid at the close of a matter, but also managed throughout the process. Personal injury attorneys are skilled at finding available insurance coverage and resolving medical liens, which can mean not only smaller bills but also less headaches in getting those bills resolved. If you are injured and it is not your fault, contact an experienced personal injury attorney as soon as possible so you know what your rights are. Trying to navigate things like medpay coverage, medical liens, lien reductions, the common fund doctrine, and other matters related to medical expenses is extremely difficult for someone who is not experienced in these matters. Do not shortchange yourself with something as important as getting better and getting full compensation for your injuries.