What to do if an adjuster reports your accident incorrectly
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What to do if an adjuster reports your accident incorrectly

On Behalf of | Jul 4, 2024 | Bad Faith Insurance

Navigating the aftermath of an accident can be stressful, especially when dealing with insurance adjusters. When an insurance adjuster doesn’t report the facts of your accident correctly, it can complicate your claim and potentially reduce your compensation.

Review your accident report thoroughly

First, obtain a copy of the accident report from your insurance company. Review this document carefully to identify any discrepancies or inaccuracies. Common errors include incorrect dates, times, locations, or descriptions of the accident. Make note of any misstated or missing details.

Gather supporting evidence

To challenge an inaccurate report, you need evidence. Gather any documentation related to the accident, such as:

  • Photos and videos from the scene
  • Medical records and bills
  • Witness statements
  • Police reports

This evidence helps you build a case to prove the true facts of your accident. The more detailed and organized your evidence, the stronger your position will be.

Communicate clearly with your adjuster

Reach out to your insurance adjuster to discuss the inaccuracies. Be clear and concise about the discrepancies you’ve identified, and provide copies of your supporting evidence to back up your claims. Keep records of all communications, including emails, letters, and notes from phone calls in case you need to escalate the issue.

Request a formal review

If the adjuster refuses to correct the errors, request a formal review of your claim. Most insurance companies have a process for disputing claims. You can submit a written request for a review, outlining the inaccuracies and providing your evidence. Follow up regularly and track all responses.

Contact the California Department of Insurance

If your insurance company still doesn’t resolve the issue, file a complaint with the California Department of Insurance. They oversee insurance companies and can intervene on your behalf. Provide them with all your documentation and evidence to support your case. This step can put additional pressure on the insurance company to address your concerns.

Seek an independent evaluation

Sometimes, it may be beneficial to seek an independent evaluation of your claim. Hire a public adjuster or an independent appraiser to review the facts of your accident. While this incurs additional costs, it provides an unbiased assessment and supports your position in disputes with your insurance company.

Ensuring accurate accident reports

Dealing with inaccurate accident reports from insurance adjusters can be frustrating, but you can correct the record by taking proactive steps. Thoroughly review your report, gather supporting evidence, and communicate clearly with your adjuster. If necessary, escalate the issue to higher authorities or seek an independent evaluation. 

By staying persistent and organized, you help ensure that the facts of your accident are accurately reported and your claim is fairly assessed.