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If you have been injured in a car accident in New Jersey, you may be entitled to recover compensation. But, this will most likely mean speaking with the other party’s insurance company. Speaking with insurance adjusters can be extremely difficult if you are recovering from a serious injury, as they are not looking out for your best interests. As a result, it is important to know what to expect when speaking with insurance adjusters after a New Jersey car accident.

What To Look Out For?

Lowball offers

Insurance adjusters know that car accident victims are vulnerable. If you are recovering from an accident, you likely have mounting expenses. Insurance adjusters may offer you an unfairly low offer in the hopes that you will take it to pay off your medical bills right away. Generally, you should never accept a first offer. This offer may seem good, but it may not cover all of your expenses in the long run.

Ignoring you

If you do not accept their first offer, the insurance company may simply ignore you. They are doing this in the hopes that the statute of limitations will pass and you will no longer be able to sue. In New Jersey, the statute of limitations for a personal injury claim is generally two years from the date of the accident.

Downplaying/denying injuries

Insurance adjusters have been known to downplay or even outright deny a victim’s injuries. They are doing this in an effort to exclude medical costs from your settlement offer. In order to combat this, it is vital that you keep detailed records of all doctor visits, follow-ups, treatments, bills, and more.

Tricky questions 

Insurance adjusters tend to ask purposely tricky questions. It is important that you do not answer any questions without the help of an experienced attorney. An insurance adjuster may twist your words and use them against you to avoid giving you the compensation you deserve.

Fine print

Never sign anything without an attorney’s reviewal. Often, these documents contain fine print that you may overlook.

If you or a loved one has been injured due to another party’s negligence, contact our firm today. We want to help you recover the compensation you deserve.


Here at McNerney & McAuliffe, we understand how confusing certain legal matters can be, which is why we are here to provide clients from all walks of life with the experienced, compassionate legal guidance they need. If you require the legal assistance of an attorney to help you through a criminal law matter, personal injury matter, family law matter, or otherwise, you can turn to us. Contact McNerney & McAuliffe today to learn more about what we can do for you.

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