What Not to Say to an Insurance Adjuster

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What Not to Say to an Insurance Adjuster

If you’ve been involved in a car accident, dealing with insurance companies is likely one of the first steps you’ll need to take. While it may seem straightforward, speaking with an insurance adjuster can be a minefield that could affect your ability to get the compensation you deserve.

Insurance adjusters are trained professionals whose primary goal is to minimize the amount the insurance company pays out. Understanding what not to say to them can help protect your rights and ensure a fair settlement. As experienced Syracuse car accident lawyers, our team at Catalano Law can guide you through these complex conversations.

The Role of an Insurance Adjuster

An insurance adjuster is an insurance company employee whose job is to evaluate claims and determine how much compensation, if any, should be paid. While they might seem friendly and helpful, their loyalty typically lies with their employer.

An adjuster’s goal is to save the company money, often by offering less than what your claim is worth or finding reasons to deny it. This can conflict with your goal of a fair investigation and compensation that reflects the true value of your losses. It’s crucial to approach conversations with adjusters carefully and be mindful of the information you provide.

Common Mistakes: What Not to Say

After a collision, victims should avoid certain actions and statements when interacting with insurance company representatives. 

  • Avoid Admitting Fault: Even if you believe you may have been partially responsible for the accident, do not admit fault to the insurance adjuster. Statements like “I’m sorry” or “I didn’t see the car coming” can be used against you later to reduce or deny your claim. Remember, the determination of fault should be left to the evidence and the professionals handling your case.
  • Don’t Provide Too Many Details: While you are obligated to report an accident to your own insurance company, you don’t need to go into exhaustive detail with the adjuster. Keep your statements factual but concise. Avoid giving your own opinions. Stick to the basics like the location, date, and time of the accident, as well as the vehicles involved.
  • Don’t Speculate or Make Assumptions: If you’re unsure about specific details or don’t know the answer to a question, it’s okay to say so. Speculating or making assumptions can lead to statements that may be used against you. It’s better to respond with, “I don’t know” or “I need to consult my lawyer before answering that.”
  • Never Discuss the Severity of Your Injuries: It is common for insurance adjusters to ask about your injuries early in the process. However, the full extent of your injuries may not be immediately apparent. If symptoms worsen later, saying that you “feel fine” or “don’t think it’s too serious” could hurt your case. Always state that you are still assessing the full extent of your injuries and are consulting with your doctor.
  • Don’t Agree to a Recorded Statement: Insurance adjusters may request a recorded statement, presenting it as a standard procedure. However, you are not legally required to provide a recorded statement, and it is usually not in your best interest to do so. Recorded statements can be manipulated or taken out of context to reduce or deny your claim. Politely decline and consult a Syracuse car accident lawyer before agreeing to anything.
  • Avoid Accepting a Quick Settlement Offer: After an accident, you might be tempted to accept the first settlement offer to get the process over with. However, initial settlement offers are often much lower than what you are entitled to.

Accepting a low settlement could leave you without enough compensation to cover future medical expenses, lost wages, or other damages. Always speak with an attorney before accepting any offer from an insurance adjuster.

The Importance of Consulting a Syracuse Car Accident Lawyer

Conversations with insurance adjusters can be tricky. That’s why consulting with a personal injury attorney before engaging with the insurance company is crucial.

Our skilled Syracuse car accident lawyers at Catalano Law can guide you on what to say and help you avoid costly mistakes after a collision. We can also handle all communications with the adjuster, protecting your rights and ensuring insurers don’t take advantage of you during this vulnerable time.

Involved in a Collision? Get Skilled Legal Representation Today

If you’ve been involved in a car accident, don’t allow an insurance adjuster to pressure you into making statements or accepting settlements that aren’t in your best interest. At Catalano Law, our qualified car accident lawyers advocate for you. 

We’ve recovered millions for accident victims, securing the compensation they need to move forward. Let us take on the burden of communicating with insurers so you can focus on your health and well-being.

Contact our law firm for a free consultation.