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Tips for Talking to an Insurance Adjuster After a Car Accident

Posted in Car Accidents on Monday, March 11, 2024.

After your car accident, you will receive a call from an insurance adjuster. It may seem that they are just gathering information, but it is important to know what their motives truly are. This insurance adjuster will ask you an excess number of questions, they will push you for details and specifics of your accident, and they will try to keep the conversation going for as long as possible. They are employing these tricky tactics because their goal is to obtain information that can help challenge your claim and diminish the company’s accountability. Our skilled attorneys could help you understand tips for talking to an insurance adjuster after a car accident.

What Should You Do?

It can be overwhelming talking to an insurance adjuster. Keep in mind these tips to have a positive and successful conversation.

  • Ask for their name and contact info
  • Try to take notes of what the conversation is about
  • Be calm and polite

In addition, remember that you have control over the conversation, and you can end it at any point. Once you have been asked a few questions, try to end the call. The less information the insurance adjuster gathers, the less they have to work with.

Keep It Simple

The insurance adjuster will ask you as many questions as you allow them to. A good rule of thumb is to keep your responses as simple and short as possible. Talk about the facts of the accident, like when it happened, where it happened, what vehicles were involved, and who saw it occur. Beyond these basics, avoid speaking about anything else, as this can be used against you.

The insurance adjuster is also looking for any signs that you are remorseful or regretful. The language and tone of voice you utilize can help the insurance adjuster prove you are admitting fault, and this will eliminate or reduce your compensation.

Topics to Avoid

There are several guaranteed topics the insurance adjuster will bring up that you should be aware of and prepared to evade. Talking about your injuries or your recovery can be a slippery slope. These details should come directly from your doctor. End this conversation by stating you are being treated by a medical professional for your injuries that were a result of the accident. More often than not, the insurance adjuster will ask you to provide a recorded statement. Keep in mind that this can and will be used against you, and you are not required to agree to this. You can and should say no.

Get The Settlement You Deserve With Help From an Attorney

If the caller offers you a settlement over the phone, it is in your best interest to write this offer down and not accept it. Seeking legal representation can help you distinguish your options for a larger settlement. There may be other topics the insurance adjuster brings up; once they are not gathering the facts of the accident, try to end the conversation as swiftly as possible. Contact our team to learn more about tips for talking to an insurance adjuster after a car accident and walk you through conversations with an insurance company.