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*This section is provided as a quick reference tool only.
(see disclaimer at the bottom)



Employee Information

Insurance Adjuster


Assuming that you do not have an attorney, your primary contact will be either your employer or what is commonly referred to as a claims or insurance adjuster. The adjuster's job is to stay informed of your medical condition, working condition, and to ensure that the interests of their company is protected. As a matter of practicality, they work for the insurance company and they are not going to be able to tell you your rights or explain what is to your advantage. Your responsibility is to be aware of your rights and to assert them.

A good relationship with your insurance adjustor is important and it is likely that you may have one or several adjustors who work on your case. The adjuster is the one who will decide when and whether or not you get benefits to which you may be entitled and, obviously, it is important that you have a good relationship with them. Remember, working with an insurance adjuster is a two-way street and just as they need to be cooperative, polite, etc., you need to be the same.

While the insurance adjuster has the primary responsibility to handle your claim, provide benefits and deal with you in good faith, many times the adjuster has information supplied by the employer or they may suspect you of trying to receive benefits to which you are not entitled. While the insurance adjuster has a duty to deal with you in good faith, they do not have a duty to advise you in matters which are in your best interest. If you do decide to hire an attorney, remember that it is your attorney's job to deal with the adjuster and you should not talk with the adjuster after you hire an attorney.

Your first contact with the insurance company will probably be by letter or by a phone call from your adjuster. The letter will advise you generally whether the insurance company is accepting or rejecting your claim or whether it needs additional time to investigate the claim. Adjusters usually contact the injured worker as soon as possible and try to take a statement from the worker concerning the facts of the accident and what other information they might feel is relevant. Whenever the insurance company or adjuster takes a statement, the most important thing is to tell the truth. As long as you stick to the truth, you will not have to worry about giving conflicting statements, nor give the insurance company a reason to suspect that you are not telling the truth.



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*This section is provided as a reference tool only. Benefit rates as well as State agency contacts, phone numbers and addresses may change periodically and are not guaranteed. Please send notification of any changes to support@workerscompensation.com