Insurance adjusters are "good" at their jobs, which entail minimizing their paymasters' (insurance companies) expenditures. However, they may not have your best interests at heart, and believing everything they tell you may derail your attempts at compensation. For example, here are four lies or half-truths that an adjuster may use to dismiss your injuries:
The Police Report Has No Injuries at the Scene of the Accident
It's true that you should consult a doctor immediately if you feel pain or discomfort, which in most cases happen immediately after the accident. Delaying treatment is bad for your case because the insurance company can argue that you did not mitigate your injuries or incurred them elsewhere.
However, the fact that you didn't feel pain at the scene of the accident doesn't mean that you weren't hurt. Some injuries may only become painful or symptomatic after a few days; what matters is that you seek treatment as soon as they do.
Complaints Recorded by Your Doctor Differ from Those of the ER Staff
There are many reasons the emergency room staff may not detect all your injuries. For example, if they are swamped by a high number of patients, then they may only be concerned with your serious injuries. Also, as discussed above, some of your injuries may only become apparent after some time. This shouldn't prevent you from pursuing your personal injury claim.
Your Injuries Don't Seem Compatible with the Accident
It's true that the insurance company isn't responsible for injuries you sustained elsewhere. However, it's also true that accidents frequently cause injuries that are difficult to explain. Therefore, the adjuster may not be the best person when it comes to determining what caused your injuries. This is the responsibility of physicians, and maybe other professionals such as accident reconstruction experts.
You Did Not Undergo an X-ray or MRI Scan
This lie can get you because it is widely believed that serious injuries require sophisticated diagnostic tools such as these. It's also true that fractures and other hard injuries may require scans and x-rays. However, these aren't the only means of diagnosing injuries. In fact, there isn't a specific route of treatment that must be followed for specific accidents.
As you can see, you need to be very careful when discussing your injuries with an insurance adjuster. If you aren't careful, you can easily be thrown off balance by the adjuster's "clever reasoning." Hiring a personal injury attorney will help you to avoid believing such lies and half-truths.