This is part of our continued coverage on my wife’s injury claim with Progressive

Since the accident my wife was in happened on a Friday afternoon, we weren’t able to get in contact with the adjuster until after the weekend. On Monday morning, I called over to Progressive to set up the claim and talk with the adjuster. After giving him the details that I wanted to give him and being light on details on the ones he wanted, he asked if he could set up an appointment to meet with my wife. I said that would be fine and we scheduled an appointment for Wednesday.

Wednesday came and my wife and I were driving to meet with the adjuster. I took a few minutes in the car to give my wife some pointers so that she would be prepared for what the adjuster was going to ask her. I could have predicted the conversation any better than I did. In fact, you can call me Nostradamus because the adjuster was word for word on what I told my wife to expect. The key points of the conversation went as follows with some inserted commentary for your benefit:

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This is part of our continued coverage on my wife’s injury claim with Progressive

By the time I had showed up to the accident scene ten minutes after my wife first called me, she was already complaining of instant neck pains and a severe headache. Anytime you have head trauma, it is wise to be seen by a doctor right away. I first took her to an InstaCare, but they wanted us to pay up front for the visit. They would not bill my insurance. Because I didn’t have any cash on me, I drove her to the nearest ER.

While sitting in the ER, the adjuster from the at-fault driver called my wife. This was less than 1 hour post accident. One of the first questions he asked was, “what are your injuries?” This question only has one intention this soon after the accident. The adjuster is trying to get you to say that you are feeling fine. Most whiplash symptoms will not show up for a few hours or even days after the accident. The adrenaline is pumping so high that you probably don’t feel much pain, if anything at all, especially within the first hour of the accident and you certainly won’t know the full extent of your injury for a few weeks or even months. If you tell the adjuster that you are feeling fine, he will hold it against you for the rest of your claim. I whispered to her to tell him that she did not know the extent of her injuries and that we would call him back Monday after being seen by the ER.

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