The phone is ringing. The insurance adjuster seems eager to talk to you after your recent car crash and may appear eager to settle your claim. However, before you answer the phone, there are some things that you need to know about insurance adjusters so that you can get started on the road to recovery.

Why You Need to Be Careful

Insurance companies are looking to make a profit. One way that an insurance company maximizes its profits is by paying out as little as possible in claims. In other words, the less money the insurance company pays to you—and people like you—the more the company keeps for itself.

Insurance adjusters work for the insurance company. Accordingly, it is their job to get you to settle for as little money as possible after a crash.

Tips for Dealing With Insurance Adjusters

Insurance adjusters may keep calling you after an accident, but they're not on your side.

Before you start dealing with an insurance adjuster, it is important to…

  • Consult with a qualified auto accident attorney before speaking to an adjuster at all. If you are represented by a lawyer, then your lawyer will handle negotiations with the insurance company on your behalf.
  • Know your rights. You aren’t required to give a statement to the adjuster the first time she asks. If you haven’t reviewed the accident report and evidence yet, you haven’t actually processed the incident, so you aren’t ready to give a statement. Reschedule the call for a better time.

Then, when you do speak to the insurance adjuster it is important to answer questions directly and in as few words as possible. Don’t volunteer any information you weren’t asked about.

Finally, if you do speak with an insurance adjuster, then it is important to request a copy or transcript of your statement upfront. You are legally entitled to one.

Knowing the truth about insurance adjusters—and acting upon the information you have—is the first step in protecting your fair recovery, but it is not the last step. Now, you have to act on this information, but you don’t have to do it alone. You have the right to work with an experienced car accident lawyer who is a skilled negotiator and who will fight for your fair and just recovery. You have the right to have someone on your side, representing your interests. To learn more, please request a FREE copy of our DVD, Secrets Insurance Companies Don’t Want You to Know.

Jason F. Abraham
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Managing Partner, Hupy and Abraham