How to Handle Calls from the Insurance Company

Have you been involved in a car accident? If so, your focus should be on recovering from your injuries and getting the needed repairs to your vehicle to get back on the road. 

For most people moving forward is a top priority. 

However, at some point, you may receive a call from the at-fault party’s insurance company. Do you know what to do when an insurance adjuster calls (or comes knocking)? If not, you may inadvertently say the wrong thing and ruin your ability to recover compensation for your injuries and damages. 

Keep reading to learn more about handling any conversation with the other party’s insurance company. 

You Don’t Have to Speak to the Insurance Adjuster 

There’s no legal requirement for you to talk to an insurance adjuster from the at-fault party’s insurance provider. If you don’t know what to say or just don’t want to discuss the accident, it is best to say so or refer the person to your attorney. 

Insurance Adjusters Aren’t on Your Side

It’s important to remember that insurance companies are for-profit businesses. This means that when the adjuster calls, even if they seem concerned about you and your recovery, they are only trying to get more information. They aim to have you admit fault or say something else they can use to reduce or eliminate compensation for the accident you were involved in. Don’t fall for their “tricks,” insurance adjusters are trained to get information from you to protect the company’s bottom line. 

Don’t Agree to a Written or Recorded Statement 

Remember, insurance adjusters aren’t going to come to you in full force. Instead, they may be chatty and convince you they are just looking for details about what happened and what led to the accident. A common method the adjuster will use to do this is asking to record the conversation you are having. 

Don’t agree with this. 

Giving a recorded statement will likely damage your case. The recorded statement they get will be used to undermine your accident claim. Once they get a recorded statement, the adjuster will examine it against the statement you gave to the police when the accident happened. If there are any inconsistencies (which there may be), the adjuster will use this to say you have “changed your story” or use it in another way to reduce the compensation you receive. 

If you aren’t sure what to do in this situation, it is always best to say nothing or refer the insurance adjuster to your attorney. 

Let Your Personal Injury Attorney Help When Talking to Insurance Adjusters 

You aren’t alone when it comes to an accident claim. Finding and hiring a personal injury attorney will help you achieve the best possible outcome for your case. They will also talk to and negotiate with the insurance adjuster to ensure that you get the compensation you deserve. Our legal team is ready to help you with your personal injury case. We are your advocate in these difficult times and will ensure that you can focus on recovering while we handle your personal injury claim.