After a crash, the other driver’s insurance company often calls quickly, sounds friendly, and says they just want to help you resolve things. It is important to understand what is really happening: the adjuster’s job is to protect the insurance company’s money, which means paying you as little as possible. Here is how to handle that call.
You Do Not Have to Give a Recorded Statement
When the at-fault driver’s insurer asks for a recorded statement, you are generally not required to give one, and you should not before speaking with a lawyer. Adjusters are trained to ask questions in ways that get you to guess, minimize your injuries, or say something that sounds like admitting fault. Anything you say can later be used to reduce or deny your claim.
What You Can Safely Share
You should notify your own insurance company that a crash happened. When you do, stick to the basic facts:
- The date, time, and location of the crash
- The vehicles involved
- That a police report was made
Avoid guessing about fault, and avoid describing the full extent of your injuries while you are still being treated, since they may turn out to be worse than they first seem.
Common Adjuster Tactics to Watch For
- The quick, friendly offer. A fast check for a few hundred or a few thousand dollars, offered before you know how hurt you are.
- “Just sign this to get your car fixed.” Some releases quietly waive your injury claim, too.
- Asking how you are doing. A cheerful “I’m fine, thanks” can be twisted into evidence that you were not injured.
- Pressure to settle now. Real deadlines exist, but the rush is usually about closing your claim cheaply.
Why a Lawyer Levels the Playing Field
When a lawyer represents you, the insurance company has to go through us, not you. We handle every call, present your claim with the right evidence, and negotiate from strength. Insurers know which claimants have representation, and studies consistently show that represented claimants tend to recover more, even after fees.
Before You Talk, Call Us
If an adjuster has already contacted you, or is about to, talk to a lawyer first. The consultation is free and could protect the value of your entire claim. Call 323-991-7353. Se habla espanol, and there is no fee unless we win.
This article is general information about California law, not legal advice. Every case is different - for advice about your situation, talk to a lawyer. Call us at 323-991-7353 for a free consultation.