Dealing With Insurance Adjusters After An Accident

Within days of your accident, you will likely hear from an insurance adjuster, possibly from your own insurer and almost certainly from the other driver's. Their job is to resolve claims for as little money as possible. Yours is to protect your recovery.

What to expect The first call often feels friendly and casual. The adjuster may ask how you are feeling, request a recorded statement, or float a quick settlement number. Each of these is a common tactic, not a coincidence.

What to say . Confirm only basic facts: date, location, vehicles involved, and your contact information. . Decline to give a recorded statement until you have spoken with someone who represents your interests. . Do not speculate about fault, injuries, or the severity of damage. . Do not accept the first settlement offer. Initial offers are almost always well below the true value of the claim.

What to avoid . Saying you are fine, even out of politeness. Adjusters note these phrases and use them later. . Sharing medical history beyond the current injury. . Signing a medical authorization form that gives blanket access to your records.

When to bring in help If the adjuster is pressuring you, denying coverage, disputing fault, or pushing a settlement before you have completed treatment, that is a strong signal to talk with an attorney. Many offer initial consultations.