Talking To The Insurance Adjuster After An Accident

The adjuster is friendly for a reason. Their job is to resolve your claim for as little as possible, and the first call is where claims quietly lose value.

Whose Side The Adjuster Is On

An adjuster for the other driver insurer works for that insurer, not for you. Even your own insurer has its own interests. Friendly does not mean neutral.

What Is Safe To Share

• Your name and contact information.
• The date, time, and location of the crash.
• The vehicles involved.
• That you are still being evaluated medically, if true.

What To Avoid

• Do not say the crash was your fault or guess at percentages.
• Do not say you are fine or describe injuries before a doctor has. Many injuries surface later. See delayed soft tissue injuries.
• Do not agree to a recorded statement without understanding the consequences.
• Do not accept a number on the spot. See first offers.

Why Recorded Statements Matter

A recorded statement locks in your words early, when you may not know the full extent of your injuries or the facts. Innocent phrasing can be used to reduce or deny a claim later. You can decline, ask to follow up in writing, or have a lawyer handle communication entirely.

Common Questions

Do I have to give a recorded statement to the other driver insurer?

No. You are generally not required to give a recorded statement to the other party insurer, and many people choose not to without legal advice first.

What if the adjuster keeps calling?

You can ask them to communicate in writing, or once you hire a lawyer, the insurer must go through your lawyer instead of contacting you directly.

Should I tell the adjuster about my injuries?

Be cautious. Saying you are fine or describing injuries before a doctor evaluates you can hurt your claim. It is fine to say you are still being treated.