Dealing With Insurance Adjusters After a Crash

Last reviewed June 2026

Quick answer. The adjuster works for the insurance company, not for you, and their job is to settle for as little as possible. You are not required to give a recorded statement to the other driver’s insurer, you do not have to accept the first offer, and anything you say can be used to reduce your claim. Be brief, factual, and cautious.

Whose Side the Adjuster Is On

An adjuster can sound friendly and helpful, but they are trained to limit payouts. Early outreach often aims to lock in a recorded statement or a quick, low settlement before the full extent of your injuries is known.

What to Avoid

Giving a recorded statement to the other driver’s insurer before you understand your rights.
Guessing or speculating about fault or your injuries.
Saying you feel fine, since injuries can surface later.
Accepting the first offer without knowing what your claim may involve.

Why First Offers Are Low

Early offers usually come before the medical picture is complete. Once you sign a release, you generally cannot reopen the claim, even if your injuries turn out to be worse than they first appeared. That is why a review before signing matters.

Talk to an Accident Attorney

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Frequently Asked Questions

Do I Have to Give the Other Insurer a Recorded Statement?

No. You are generally not required to give a recorded statement to the at-fault driver’s insurer, and doing so before you understand your rights can hurt your claim.

Should I Accept the First Settlement Offer?

Not without understanding what your claim may involve. First offers are often made before your full medical costs are known, and a signed release usually ends your right to recover more.

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