Accidents can leave people feeling overwhelmed, confused, and vulnerable. One of the most stressful moments after an accident is receiving a call from your insurance company. Adjusters often sound helpful, friendly, and concerned about your well-being. The truth is, their main goal is to protect their company and minimize the payout.
Many accident victims unintentionally harm their own claims by speaking to insurance adjusters without legal guidance. Even honest answers about the accident, your injuries, or your treatment can be interpreted in ways that reduce your compensation. Knowing this in advance allows you to take the right approach and avoid costly mistakes.
Brad Emert at Emert Law Firm has spent over 30 years helping St. Louis residents protect their rights after accidents. He believes victims should focus on recovery while he handles all communication with insurance companies. Acting early gives clients the best chance for full compensation and peace of mind.
Why Silence Is Your Best Strategy
Insurance companies train adjusters to gather information and use it to their advantage. They may ask detailed questions about:
- How the accident happened
- Your medical history or pre-existing conditions
- Your emotional or physical state after the accident
- Any previous claims or injuries
Even casual statements can be misinterpreted. Remaining silent until you have legal guidance ensures:
- Your words are not used against you: Adjusters cannot twist statements into something that minimizes your claim.
- Your case stays strong: Clear and consistent communication through an attorney prevents mistakes.
- You avoid unnecessary stress: You do not have to navigate complex conversations or pressure tactics alone.
Brad Emert communicates with insurance companies on your behalf. His experience allows him to handle these discussions strategically, so you do not have to.
Common Mistakes Accident Victims Make
Many people unintentionally weaken their claims by trying to handle insurance calls themselves. Some common errors include:
- Giving recorded statements without legal guidance
- Signing documents or forms too quickly without review
- Downplaying injuries or lost wages
- Failing to document medical treatment or property damage
- Assuming a quick settlement is fair
Brad helps clients avoid these mistakes by guiding them step by step and handling every interaction with insurance adjusters professionally.
How Brad Protects You from Insurance Tactics
Brad’s approach is personalized. He evaluates your case and develops a plan to ensure insurance companies cannot exploit any weakness.
For example:
- A client received repeated calls from an insurance adjuster after a workplace accident. Brad advised the client not to answer alone and took over communication, ensuring the claim progressed without risk.
- Another client was offered a quick settlement for a car accident that barely covered medical bills. Brad analyzed the financial and physical impact of the injuries, negotiated assertively, and obtained a settlement covering lost wages, therapy, and vehicle repairs.
By managing all communication, Brad allows clients to concentrate on healing while protecting their legal and financial interests.
Practical Tips When Dealing with Insurance Companies
Even with legal support, following some best practices helps protect your case:
- Do Not Give Statements Alone: Always consult your attorney before answering questions from adjusters.
- Keep Detailed Records: Document phone calls, emails, letters, and insurance forms to track communication and support your case.
- Avoid Signing Documents Immediately: Legal review ensures you do not inadvertently accept unfair terms.
- Track Medical Treatment: Every appointment, test, and therapy session should be recorded to strengthen your claim.
- Report Injuries Accurately: Avoid minimizing or exaggerating injuries, as both can negatively affect your claim.
Following these steps can make a significant difference in your case outcome.
The Consequences of Speaking Without Guidance
Accident victims who talk to insurance adjusters without an attorney often face:
- Reduced settlements caused by misinterpreted statements
- Delays or repeated requests for information
- Increased stress and confusion during the claims process
- Missed compensation for medical bills, lost wages, and property damage
Brad ensures these risks are avoided by handling all communication and negotiations professionally, giving victims confidence and peace of mind.
Why St. Louis Residents Trust Brad
Brad’s clients appreciate:
- Direct, clear, and consistent guidance
- Expert handling of insurance tactics
- Focus on full compensation for all losses
- Trial readiness if insurers refuse fair settlements
- Ability to focus on recovery while he manages the case
Insurance companies are skilled at reducing claims. With Brad on your side, victims can rest assured their rights are fully protected and their case is handled professionally from start to finish.
Take Action Today
Insurance adjusters are trained to act quickly. You do not have to face them alone. Contact Brad Emert for a free consultation. Brad reviews your case, handles all communication with insurance companies, and fights to ensure full and fair compensation. Acting early protects your rights, your financial security, and your peace of mind after an accident in St. Louis.
