How to Deal with Insurance Adjusters After an Injury

After an accident, you'll likely receive a call from an insurance adjuster. While they may seem friendly and helpful, it's important to remember that their job is to minimize the amount their company pays out on claims.

Insurance adjusters are trained negotiators who handle claims every day. They know the tactics that work to reduce settlements, and they'll use them on you if you're not prepared.

One common tactic is calling you soon after the accident, before you've had time to understand the full extent of your injuries. They may offer a quick settlement that seems generous but is actually far less than your claim is worth.

Be polite but cautious in all communications. You're required to report the accident to your own insurance company, but you're not obligated to give a recorded statement to the other driver's insurer.

Never admit fault or apologize for the accident, even casually. Statements like 'I'm sorry this happened' can be twisted and used against you later.

Don't discuss your injuries in detail. Simply state that you're receiving medical treatment and that the full extent of your injuries is still being determined.

Be wary of signing any documents without having an attorney review them first. Adjusters may present releases or authorizations that could limit your ability to recover full compensation.

Keep detailed records of all communications with insurance companies, including dates, times, and what was discussed. This documentation can be valuable if disputes arise later.

Consider having an attorney handle all communications with insurance companies. This takes the pressure off you and ensures that nothing you say can be used to undermine your claim.

Remember, you have the right to take your time. Don't let an adjuster pressure you into making quick decisions about your claim.