What NOT to Say to an Insurance Adjuster

Car Accidents Dan - November 30, 2020
Insurance adjuster checking an accident

Talking to insurance companies after an accident might not seem like a big deal, but people make many mistakes when speaking with adjusters. Saying the wrong thing can jeopardize your claim, so you should have a lawyer handle these communications. 

If you’ve been injured in a traffic accident, a slip and fall accident, or any other kind of accident, you’re going to be hearing from an insurance adjuster whose job is to assess the damages you’ve suffered and to compensate you accordingly. It may seem like the reasonable thing to do is to allow the insurance company to do its job while you attend to regaining your strength and recovering from your injuries, but this strategy is unlikely to support your best interests. If someone else’s negligence leaves you injured in any kind of accident, the best path forward is with an experienced personal injury attorney on your side.

Do Not Pour Out Your Story to the Claims Adjuster

You may be feeling vulnerable if you’ve been injured as a result of someone else’s negligence. The claims adjuster in charge of your claim is well aware of this fact and is very likely poised to take advantage of your vulnerability by guiding you in a conversation in which you make statements that later come back to haunt your claim. This practice is part of the adjuster’s training to elicit statements that can later be used out of context to hurt your claim, even though you’ve done nothing wrong. You should leave everything to your dedicated personal injury attorney. 

Things You Should Never Say

It’s so easy to make honest statements to an insurance adjuster that will later harm your case. It’s always in your best interest to leave all the talking to your personal injury attorney. There are, however, certain statements that you should never make, including:

  • Do not say you’re sorry. It’s only natural to be sorry after an accident – because you are naturally sorry that it happened in the first place – but the insurance company will take this as a blanket statement that you accept all blame in the accident or that you share the blame. 
  • Do not say you’re fine. Most people have an automatic reaction that they are “Doing well,” “Doing okay,” or “Doing fine” when asked how they are doing, even if they are not. When asked if you were injured, don’t reply with “I’m fine,” even if you think you are. The truth is that many injuries can be slow to reveal themselves and the minor ache you’re feeling now could actually be something serious. 
  • Do not provide the insurance adjuster with a recorded statement. Again, the adjuster is skilled at eliciting the statements he or she is looking for while you are in a vulnerable position in order to hurt your claim. Don’t tempt fate by making a statement; instead, refer the adjuster to your personal injury attorney instead. 

Allow Your Experienced Personal Injury Attorney to Do the Talking for You

The dedicated personal injury attorneys at Blackburn & Green have reserves of experience negotiating with insurance adjusters – and taking insurance companies on in court – so leave the talking to us. To learn more, please don’t hesitate to contact us online or call us at 1-800-444-1112 today.

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