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What You Shouldn’t Say to an Insurance Adjuster

Making These Mistakes Can Derail Your Claim

After being involved in a car crash, you'll likely receive a call from an insurance adjuster or the insurance representative of the other driver involved in the accident. While it may seem like just a formality, it's also a way for insurance companies to dig up information that can be used against you in your claim — especially if you weren't at fault for the accident. Here's what you shouldn't divulge during your call.

Don’t Give Too Much Personal Information

Only give the insurance adjuster your name, address, and phone number where you can be reached. While you can tell them where you work and the type of work you do, there's no need to discuss your work schedule or how much money you make.

Don't Give a Statement About How The Accident Happened

If an insurance representative asks you to give a statement about how the accident happened, politely decline and say that the investigation is still pending. Insurance companies are notorious for asking subtle and friendly questions to coax information from claimants — so be mindful of what they are asking. The only information you need to tell them about the accident are:

  • The parties involved in the accident
  • Witnesses to the accident
  • Where the accident occurred
  • The type of accident (rear-end, head-on, T-bone, etc.)
  • Types of vehicles involved (truck, car, motorcycle, bicycle, etc.)

Don't Give Details About Your Injury.

Refrain from giving details about your injuries, but let the insurance company know that you are still under medical care and being treated. Giving details about your injury too soon could cause you to give missed information, or you may not feel any symptoms immediately following a car crash. For example, some traumatic brain injury symptoms may not show up for days or weeks after your accident. The outcome of your claim highly depends on the circumstances of your injuries and medical treatment.

Don't Agree to Settle Your Claim Immediately.

It's not uncommon for insurance adjusters to offer a settlement on the first call. This tactic saves the insurance company time, and money as the settlement will most likely be less than your car accident claim is worth. While having immediate cash is a tempting scenario, you can be leaving compensation on the table. When it comes to car accident claims, it's best to speak to an experienced personal injury lawyer to protect your rights and ensure you receive the maximum compensation you deserve.

Injured in a Car Crash? Bandas Law Firm, P.C. Can Help.

Many car accident victims are unsure where to turn for help and guidance when filing a car accident claim to recover compensation for their injuries. At Bandas Law Firm, P.C. we understand how insurance companies operate and know the tactics they use to give claimants low settlements. Let us help protect your rights and fight on your behalf to obtain the best possible outcome.

Managing Partner Christopher Bandas is a highly regarded member of the legal community and rated "Distinguished" by his peers in the Martindale-Hubbell® publication. Our team is ready to help you when you need legal assistance after a car accident.

We are available for calls 24/7. Contact Bandas Law Firm, P.C. today at (361) 238-2789 or fill out this short form to schedule a free consultation with a member of our team. Consultations are free.