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Immediate Steps and Interaction with Adjusters The Adjuster's Goal: Insurance adjusters often call quickly to settle claims for the lowest possible amount before you realize the full extent of your injuries or the value of your claim [00:15]. Recorded Statements: It is generally advised not to give a recorded statement to the other driver's insurance company [00:30]. These statements are designed to lock you into a version of events that may be used against you later if new information or injuries emerge [00:45]. Medical Authorization: Do not sign a blanket medical authorization form [01:10]. This gives the insurance company access to your entire medical history, which they may use to claim your current injuries are pre-existing [01:25]. Understanding Your Rights and Damages Types of Compensation: You are entitled to more than just medical bills. This includes lost wages, pain and suffering, and property damage [02:15]. Medical Evaluation: Always seek medical attention immediately, even if you feel fine [02:45]. Some injuries, like soft tissue damage or concussions, may not show symptoms for days [03:00]. Documenting the Scene: If possible, take photos of the vehicles, the surrounding area, and any visible injuries [03:30]. Negotiation and Legal Counsel Initial Offers: The first settlement offer is almost always a "lowball" offer [04:10]. Do not feel pressured to accept it immediately [04:20]. Statute of Limitations: Be aware of the legal deadlines for filing a claim in your state [04:45]. Consulting an Attorney: The video suggests consulting a personal injury lawyer to ensure your rights are protected and to help determine the true value of your claim [05:00]. Most work on a contingency fee basis, meaning they only get paid if you win [05:15].