How to Deal with Insurance Adjusters After an Accident
After an accident, one of the first calls you’ll get is from an insurance adjuster. They might sound friendly, even sympathetic—but make no mistake, their job is to minimize the amount their company pays out. Knowing how to handle these conversations can make a big difference in protecting your rights and securing the compensation you deserve.
Be Cautious About What You Say
Insurance adjusters are trained to get you to say things that could hurt your claim. Even a simple apology or saying you’re “feeling fine” could be used against you later. When speaking to an adjuster:
Stick to the basic facts—where and when the accident happened, the vehicles involved, and any injuries you’re aware of.
Do not speculate or give opinions about fault.
Avoid making recorded statements without legal advice.
Don’t Accept the First Settlement Offer
It’s common for insurance companies to offer a quick settlement, hoping you’ll take it before you understand the full extent of your injuries and damages. These initial offers are usually far lower than what you may actually be entitled to. If you accept, you waive your right to seek additional compensation later, even if medical bills pile up or you realize your injuries are worse than expected.
Let Your Attorney Handle the Negotiations
Insurance adjusters have teams of professionals working to protect their company’s bottom line—you should have someone protecting yours. An experienced personal injury attorney knows how to push back against lowball offers and build a strong case for fair compensation. They can handle all communications, ensuring you don’t say anything that could jeopardize your claim.
Get Legal Help Before Speaking to the Other Party’s Insurer
If you’ve been injured in an accident, don’t let an insurance adjuster pressure you into a quick settlement. At Posey Lebowitz PLLC, we help clients navigate these conversations and fight for the compensation they truly deserve. Contact us today for a free consultation—we’ll deal with the insurance company so you can focus on recovering.
