What to Know Before Talking to an Insurance Adjuster After an Accident

If you’ve been injured in an accident, you can expect a call from an insurance adjuster—sometimes within just a few hours. They might sound polite or even helpful, but it’s important to remember one thing: they work for the insurance company, not for you.

Before you answer their questions, here’s what you should know to protect yourself and your right to fair compensation.

1. You’re Not Required to Talk to Them Immediately

After an accident, you may be disoriented, in pain, or unsure of the full extent of your injuries. Insurance adjusters often reach out quickly, hoping to catch you off guard.

You have the right to delay the conversation until you’ve spoken to an attorney. Don’t feel pressured to talk before you’re ready.

2. They’re Looking for Information That Helps Their Case—Not Yours

Adjusters are trained to ask questions in a way that can minimize the value of your claim. They may ask:

• "How are you feeling today?" (If you say "I’m fine," they may use it against you.)
• "Can you tell me what happened?" (Your words may be twisted or taken out of context.)
• "Can we record this conversation?" (You don’t have to agree.)

Every statement you make can potentially be used to reduce or deny your claim.

3. Avoid Giving a Recorded Statement

You are not legally required to provide a recorded statement to the other party’s insurance company. In fact, doing so can work against you.

Even innocent or unclear phrasing can be used to challenge your credibility or suggest partial fault. It’s best to let your attorney handle these communications.

4. Don’t Discuss Your Injuries in Detail

In the early stages, you might not even know the full extent of your injuries. You could have delayed symptoms or conditions that worsen over time.

If you downplay your injuries or speculate about your condition, the insurer may use your own words to limit what they owe you.

Only discuss your medical situation after you've received professional care and consulted a lawyer.

5. Be Wary of Early Settlement Offers

Insurance companies sometimes offer a quick settlement to “help you move on.” But once you accept an offer, you can’t go back and ask for more—even if your condition worsens.

Initial offers are often far below what your claim is truly worth. Don't sign anything without reviewing it with your attorney.

6. Let Your Lawyer Do the Talking

At L&F Brown, we deal with insurance companies every day. We know their tactics, and we know how to protect your rights. Once you hire us, you can refer all communication to your attorney—no more direct calls or pressure.

This levels the playing field and ensures you don’t accidentally say or agree to something that weakens your case.

Don’t Face the Insurance Company Alone

You’re not just recovering from an injury—you’re also facing a powerful insurance company that’s focused on protecting its bottom line. Before you speak with their adjuster, protect yourself.

Call L&F Brown at 800-953-0075 for a free consultation. We’ll help you navigate the process and make sure your rights are protected from day one.