After a car crash, you get a call from an insurance adjuster. Still overwhelmed with the aftermath of the crash and trying to be helpful, you walk them through what happened – giving them all of the information you can remember.
Without realizing it, you’ve equipped an opposing party with the ammunition they need to reduce or deny your claim – all through a seemingly innocent conversation.
Insurance adjusters are not a neutral party. They look after the interests of the insurance company -- every word you say to them can be used against you to lower your payout.
Here's what not to say, how to protect your claim, and what to expect from a conversation with an adjuster.
Understanding the Role an Insurance Adjuster Plays
Before answering a call, it’s important to understand who you’re really talking to.
A car insurance adjuster’s job is to investigate, evaluate, and settle accident claims. Although they may come across as friendly or impartial, they work for the insurance company. Their goal is to limit the company's liability and lower what it pays out.
It’s important to navigate a conversation with an insurance adjuster carefully, ideally with the advice of a lawyer. An adjuster has the capability and the intention of using your words to their advantage. They aren’t just asking questions – they’re building a case that can be used against you.
6 Things Not to Say to an Auto Insurance Adjuster
There are several things to avoid saying, especially before consulting a legal professional:
1. "I think it was my fault."
Even if you're unsure, never admit fault. Liability is a legal question, and how you respond can be used against you.
2. "I feel fine."
Injuries are not always immediately evident. Some take days or weeks to surface. Saying you're fine may later limit your ability to recover medical costs.
3. "Yes, I'll give a recorded statement."
You're not legally required to provide a recorded statement without an attorney. These statements are often used against your claim later on.
4. "I'm just guessing, but..."
If you aren't sure, say so, or decline to answer -- just don't speculate. It opens the door to contradiction or inconsistency in your claim.
5. "I don't have a lawyer."
Admitting you don't yet have legal guidance will be a signal of vulnerability to the company to send a lowball offer.
6. "That offer sounds good enough."
Quick, early offers generally won't cover the full extent of medical costs, lost wages, or pain and suffering. Accepting may waive your right to further compensation.
What You Should Say to a Car Insurance Adjuster
If you do speak to an adjuster, keep the conversation brief and your answers factual. It is safe to:
- Confirm your name and contact information.
- Basic facts: the date, time, and location of the accident.
- Say that you are seeking medical evaluation and assessing damage.
- Let them know that further questions should be directed to your attorney.
What Triggers an Insurance Investigation
Not all claims are handled the same. Some common triggers that can cause deeper investigation include:
- Delayed or serious injuries that aren't reported right away
- Conflicting statements or inconsistencies
- Liability being disputed between drivers
- High-value claims from treatment or vehicle damages
- Suspicions of fraud
How Long Do Auto Insurance Adjusters Take to Make Decisions?
In Oklahoma, insurance companies generally have 60 days to resolve a claim. This 60-day timeline can vary, depending on:
- The severity of the accident
- Medical treatment timeline
- Whether or not you are represented by an attorney
The Bottom Line
Speaking to a car insurance adjuster without legal guidance can put you at significant risk. Seemingly casual conversations can be turned against you to reduce or deny your claim.
You don’t owe an insurance company your full story – you owe yourself protection.
If you’ve been contacted by a car insurance adjuster, don’t go into the conversation alone. Contact us today for a free consultation – we’re here to help you navigate the tough conversations and fight for the compensation you’re entitled to.