Tips on Talking to an Insurance Adjuster After an Accident

There’s nothing routine about being in an auto accident, even a minor one. It might be just another report to fill out for the police officer, but it’s a traumatic event for the person directly involved. When there have been serious injuries as a result of the accident, this can be a life-changing event. It’s not routine.

One of the first things that happens after an accident is a call from an insurance adjuster. This is a very important call, but it’s intended to benefit the insurance company, not you.

The Insurance Adjuster’s Role

The job of an insurance adjuster is to settle claims quickly for as little as possible. The adjuster will have an upper limit on how much can be offered as a settlement. Claims for higher amounts are handled by more experienced adjusters and attorneys.

Whether the adjuster works directly for the insurance company or is an independent adjuster working for multiple insurance companies, their paycheck comes from the insurance company. Over the course of the workday, an adjuster will typically handle a number of claims. Your case is nothing special to the adjuster.

The adjuster’s goal is a fast, inexpensive settlement. As a general rule, the longer a claim takes to settle, the higher the settlement will be. Quick settlements usually benefit insurance companies. Don’t allow yourself to be pushed into signing anything before talking to an attorney.

Don’t Give a Recorded Statement

Say that you’re not comfortable being recorded. Don’t discuss details of your injuries. Any small error or omission will be used against you later.

Talking With the Adjuster

  • Be polite.
  • Make it clear that this will be a brief conversation.
  • Take notes, beginning with the name, address and phone number of the adjuster and the name of the insurance company.
  • Write down the name of the person or business the insurance company is representing.
  • All you need to tell the adjuster is your name, address and phone number. If you wish, say where you work. It’s not necessary to give any personal information, including your income.
  • Give only the most basic facts of the accident: where, when, the vehicles involved and any witness information.

You have legal rights that the insurance company won’t tell you. Discuss your case with the attorneys at Dodge Jones before you make an expensive, permanent mistake. You deserve fair compensation. Call today for a free consultation or visit

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