Richard S. Lundin
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Personal injury and family law attorney licensed to practice in Maryland and the District of Columbia

In the law, acting with an “evil mind” means that someone is motivated by spite or ill will, serving his or her own interests, knowing that their conduct will cause significant injury to someone else.


So, do all car insurance adjusters act with an “evil mind”?


The answer is no, of course not.  But it can feel that way sometimes.   

And although they may not be acting with spite or ill will, adjusters generally work to limit the payouts on claims.  There are a variety of ways they do this.


Some adjusters sound very nice and helpful.  Others are insulting and rude, and they question you like you’re in the wrong when in fact you’re the one who’s been hurt and deserve compensation.


Regardless of how the adjuster sounds, here’s a few things to keep in mind after a car wreck:

  • Never give a recorded statement without first speaking with us or having us on the phone with you.
  • Just because adjuster is willing to pay for the damage to your car does not mean they will pay you for all your medical bills.
  • The other driver’s auto insurance will not pay your bills or lost income as you go.  This can stretch you thin financially and make it easier for the adjuster to get you to take a low settlement after a couple months
  • If you settle your claim with the other insurance company without getting permission from your own insurance company, you may be waiving a potential underinsured motorist claim.
  • Beware of “swoop and settle” tactics, where the adjuster offers you a small amount of money right away in exchange for you releasing the other driver from liability.

Bottom line:  Call us!  We’re always happy to give you and your friends and family a FREE consultation.  Make sure you know your rights before you speak to the adjuster so that you get full compensation for your damages.


Dedicated to protecting and advancing your legal rights.

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