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4 Insurance Claim Tips From a Former Adjuster

Paperwork1_07182014You've heard all the hype - one wrong step on your insurance claim after a car accident could leave you footing the bill for injuries that may not have even been your fault.

Unfortunately, there's some truth to that (in our experience).

We talked with a former insurance adjuster and asked him for his top recommendations to anyone who's been injured in a car accident, here's what he said:

1) Don't Rush - A Speedy Settlement Can be a Shoddy Settlement

Adjusters may want you to process your claim based on their timelines, which will usually be as quickly as possible. Don't feel pressure to do this. This is a common strategy among adjusters because it can limit the amount of money they pay out for a claim.

You are in control and shouldn't feel the need to rush into something that may not be the best decision. A good rule of thumb is if you're still getting any type of medical treatment, are on medications, or still in pain, you probably shouldn't talk about settling anything.

2) Get a Professional to Review Your Paperwork - for Free

Signing a release or medical authorization can substantially limit your options for seeking compensation. If you're not careful, you could give up benefits that you might have been entitled to otherwise. And often the damage from signing certain documents cannot be undone. It's generally a good practice to consult with an attorney before signing any paperwork.

Send your documents to an experienced attorney you trust (who focuses on your type of case) and ask them to review. Many personal injury attorneys will do this for free.

3) Keep in Mind - the Adjuster Is Not Looking Out for You

Although most adjusters present themselves as friendly and helpful, remember that their job is to resolve potential legal actions and claims as quickly and as cheaply as possible - that's it. They are not there to look after your best interests.

Even if your adjuster means well, they are just not trained to think of all the ways an injury can impact your life and what help you might need. What do insurance adjusters look for? Any potential problems with your claim and bring to light anything that could free their company of responsibility.

Their goal is to keep more money in house than they pay out on claims (like yours).

4) Don't Risk Your Future Needs - Get Concessions Upfront

Be careful resolving claims early on before you know the full extent of your injuries and medical care to come. You are bound by the agreement you enter into. If you settle too early and find that you still need ongoing treatment, you will likely have to pay for those treatments on your own.

If you believe your injuries will result in permanent damage or may need ongoing care, make sure these concessions are calculated into your settlement upfront. An attorney may be able to help.

Hurt in a car accident that wasn't your fault?

We've dedicated our practice to people like you. If you've been injured in a car accident, don't wonder if you're being treated fairly by the insurance company - get a professional opinion.

Call us for your free case evaluation at 1-866-900-7078.  We'll try to answer any questions you have and there's no obligation to hire us afterwards.

Categories: General

6 Ways to Keep Your Teenage Drivers Safe During the Holidays

You're driving along, enjoying all the beautiful holiday decorations, when suddenly a van pulls out in front of you. You swerve hard and narrowly miss hitting it - you look back and see a distracted Christmas shopper, clearly frazzled, trying to get all her holiday errands done in time.

You continue on your way and stop at a stoplight. As you're sitting there, you notice a car in your rearview mirror. He's not slowing. You honk and see his head snap up just in time to come to a screeching halt just inches from your bumper - it's a college student texting mom that he is on his way home.

The light turns green. You're just about to go, when a car whizzes by - the driver is clearly inebriated (coming from a holiday party) and didn't even notice that the light was red.

The roads can be dangerous during the holidays and imagine if you're a less-experienced teenage driver. Do you think you could have avoided all of these potential hazards? Maybe not.

Holiday Accident Statistics

According to the Centers for Disease Control and Prevention, during the weeks between Thanksgiving and New Year's Day, it's estimated that more than 700 people will be injured or killed nationwide in drunk driving accidents alone -  that's two to three times higher than the rate for rest of the year, to say nothing of the other types of accidents, like distracted or drowsy driving.

According to a report in, 15 people died last year in North Carolina car accidents over the Thanksgiving holiday alone.

Our car accident lawyers in North Carolina know that this time of year is particularly dangerous for young people, who lack overall driving experience and may make reckless decisions.

Car wrecks are the number one killer of teens across the country, claiming over 3,000 lives each year.  The combination of increased traffic, along with distracted and drunk drivers, can be a deadly mix - especially when the driver is inexperienced behind the wheel.

6 Safety Tips for Parents of Teen Drivers in North Carolina

The Traffic Safety Store recently highlighted a number of steps parents can take to reinforce and promote safe driving habits for their teenagers:

  1. Communicate openly with teenage drivers about expectations and obligations. One good way to start this conversation is to suggest a parent-teen driving agreement that clearly states your expectations for your teenager's driving habits and even his/her responsibilities as they relate to the vehicle.
  2. Set a good example for your teen driver. Do you drive the speed limit, wear your seatbelt, and avoid dangerous behaviors (such as texting and driving)? Teens who see their parents engage in dangerous or reckless behavior behind-the-wheel may be more likely to engage in such behaviors themselves.
  3. Know what risks teens face. Joyriding, texting and driving, not wearing seatbelts, and drinking and driving can all be dangerous behaviors your teen could engage in. Parents should be aware of these (and other) dangers and make rules in order to prevent them. During the holidays, alcohol may be more accessible, so keep an eye on your teen.
  4. Drive with your kids for longer than required. Although North Carolina, like many other states, has a graduated licensing program, it can never hurt to spend more time with your teen while he or she is learning to drive. Studies show it can take as many as 1,500 miles of driving in all conditions before a teen has enough experience to be considered a competent - and safe - driver.
  5. Monitor your teen. You can install in-car surveillance cameras or use apps that track speed, swerves, and other dangerous behaviors. Earlier this year, USA Today published this list of devices to monitor teenage drivers.
  6. Enroll in an education course with your kids. Driver education programs exist that can be really helpful in reminding both teen drivers - and their parents - how to stay safe on North Carolina roadways.

If you've been injured in an accident, contact a car accident lawyer in North Carolina today. At the Law Offices of James Scott Farrin, we'll be happy to evaluate your case for free.

Just call us at 1-866-900-7078 today.

Contact Information

Asheville Law Office

300 Ridgefield Court Suite 309
Asheville, NC 28806
Phone: 828-552-8215
Toll Free: 1-866-900-7078

Charlotte Law Office

301 S McDowell St, Suite 900
Charlotte, NC 28204
Phone: 704-599-1078
Toll Free: 1-866-900-7078

Durham Law Office

280 South Mangum Street, Suite 400
Durham, NC 27701
Phone: 919-688-4991
Fax: 800-716-7881

Fayetteville Law Office

2915 Raeford Road, Suite 204
Fayetteville, NC 28303
Phone: 910-488-0611
Toll Free: 1-866-900-7078

Goldsboro Law Office

1308 Wayne Memorial Drive, Suite B
Goldsboro, NC 27534
Phone: 919-731-2581
Toll Free: 1-866-900-7078

Greensboro Law Office

300 N. Greene Street, Suite 850
Greensboro, North Carolina 27401
Phone: 336-665-7072
Toll Free: 1-866-900-7078

Greenville Law Office

702 Cromwell Dr. Suite G
Greenville, NC 27858
Phone: 252-355-5205
Toll Free: 1-866-780-3227

Henderson Law Office

514 Dabney Drive, Suite 200
Henderson, NC 27536
Phone: 252-492-4600
Toll Free: 1-866-900-7078

Morganton Law Office

216 N. Sterling Street, Suite B
Morganton, NC 28655
Phone: 828-219-3080
Toll Free: 1-844-520-2894

New Bern Law Office

1505 South Glenburnie Rd, Unit P
New Bern, NC 28562
Phone: 252-634-9010
Toll Free: 1-866-780-3422

Raleigh Law Office

4325 Lake Boone Trail, Suite 100
Raleigh, NC 27607
Phone: 919-834-1184
Toll Free: 1-866-900-7078

Roanoke Rapids Law Office

709 Julian R. Allsbrook Highway
Roanoke Rapids, NC 27870
Phone: 252-537-9670
Toll Free: 1-866-900-7078

Rocky Mount Law Office

144 Woodridge Court
Rocky Mount, NC 27804
Phone: 252-937-4730
Toll Free: 1-866-900-7078

Sanford Law Office

703-B South Horner Boulevard
Sanford, NC 27330
Phone: 919-775-1564
Toll Free: 1-866-900-7078

Wilson Law Office

2315 Airport Blvd Suite A
Wilson, North Carolina 27896
Phone: 252-246-9090
Toll Free: 1-866-900-7078

Winston-Salem Law Office

301 N. Main Street, Suite 2409-C
Winston-Salem, NC 27101
Toll Free: 1-866-900-7078