After an accident, insurance companies move quickly to gather information and assess claims. One of the first steps they take is having an insurance adjuster reach out to you. While this may seem like a routine conversation, what you say can impact your settlement. Understanding how to handle this interaction can help protect your claim.
What to Say to an Insurance Adjuster
Stick to Basic Facts
You should only provide general details about the accident, including:
- The date, time, and location of the accident
- The type of accident (e.g., car crash, slip and fall)
- The parties involved
- The vehicles or objects involved
You are not legally required to provide a detailed statement right away. It is best to keep your responses brief and factual.
Confirm Contact Information
Make sure you know the adjuster’s name, the insurance company they represent, and their contact details. This will help if you need to follow up or if you choose to have an attorney handle communications on your behalf.
Mention That You Are Seeking Medical Attention
If you have injuries, let the adjuster know you are seeing a doctor or receiving medical treatment. Do not downplay your injuries, even if you think they are minor. Some symptoms take time to appear, and statements made too soon can be used to reduce your compensation later.
State That You Will Provide a Written Statement Later
Insurance adjusters often ask for a recorded statement early in the process. You have the right to decline this request. Instead, tell them you will submit a written statement after consulting with an attorney. This prevents misinterpretation or incomplete answers that could be used against you.
What Not to Say to an Insurance Adjuster
Do Not Admit Fault
Even a simple statement like “I did not see the other car” or “I might have been going a little fast” can be twisted into an admission of fault. California follows a comparative negligence rule, which means your compensation can be reduced if you are found partially at fault. Let the investigation determine liability rather than assuming blame.
Do Not Speculate About the Accident
If you are unsure about a detail, do not guess. Saying “I think” or “I believe” can give the adjuster room to dispute your claim. If you do not know the answer to a question, simply say, “I do not know at this time.”
Do Not Minimize Your Injuries
Avoid saying, “I am fine” or “It is not that bad.” Some injuries, such as whiplash or concussions, may not show symptoms immediately. Once you make a statement downplaying your injuries, the insurance company may use it to argue against covering future medical expenses.
Do Not Discuss Settlement Offers
Insurance adjusters may offer a quick settlement, but early offers are often much lower than what your claim is worth. Politely decline to discuss any settlements until you have had a chance to review your damages and speak with a lawyer.
Do Not Agree to a Recorded Statement
Insurance adjusters may push for a recorded statement, but you are not legally required to provide one. Recorded statements can be used to challenge your claim. It is best to provide information in writing after consulting with an attorney.
How an Attorney Can Help When Dealing with Insurance Adjusters
A personal injury attorney can handle all communications with the insurance company, ensuring you do not say anything that could harm your case. They can:
- Review settlement offers to ensure they cover your damages
- Gather evidence to support your claim
- Negotiate with the insurance company on your behalf
- Protect you from unfair tactics used by adjusters
If you have been in an accident and an insurance adjuster has contacted you, consider speaking with a lawyer before giving any statements. This can help you avoid costly mistakes and improve your chances of receiving fair compensation.
Need Help Handling Insurance Adjusters?
If you have questions about what to say to an insurance adjuster, the Law Offices of Brent W. Caldwell can help. Contact us for a free consultation and let us protect your rights.
