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How to Talk to Insurance Claims Adjusters

LEGALLY REVIEWED BY:
Callahan & Blaine
April 4, 2025

In the immediate aftermath of being involved in a car crash, the last thing you want to be focused on is how to talk to an insurance claims adjuster. Rightfully so, your focus needs to be on receiving medical care for any injuries you sustained and getting your vehicle back on the road. However, you are going to have to talk to an insurance claims adjuster soon after your car accident, and you need to know how to approach these conversations. Handling conversations with claims adjusters in the wrong way could result in your settlement being significantly reduced.

The most important aspect here is to remember that claims adjusters are not your friends and that they work for the insurance carrier. Unlike a Santa Ana car accident attorney, their goal is to ensure you receive as little money as possible for your settlement. They will use various tactics in order to reduce your final settlement. Yes, the claims adjuster is likely going to be incredibly friendly, but they are also shrewd negotiators.

Understanding the Insurance Claims Process

Navigating the insurance claims process can feel like a daunting task, especially in the wake of a car accident. Understanding this process is crucial to ensure you receive fair compensation for your damages and injuries. It all starts with reporting the accident to your insurance company. From there, an insurance claims adjuster will step in to investigate. This investigation involves gathering information, assessing the damage, and determining the value of your claim. Being well-informed about each step of the claims process can help you protect your rights and interests, making the journey a bit smoother.

Preparing for the Conversation

Before you pick up the phone to talk to an insurance claims adjuster, preparation is key. Start by gathering all relevant documents, such as your insurance policy, the police report, medical records, and any other evidence related to the accident. Take some time to review your insurance policy so you know what is covered and what isn’t. Make a list of questions you want to ask the adjuster, like the timeline for processing your claim, the estimated value of your claim, and any additional documentation they might need. Being prepared will help you navigate the conversation with confidence and ensure you don’t miss any important details.

Tips for Talking to an Insurance Claims Adjuster

1. Remain Calm and Polite

You may still be angry about the accident, particularly if another person caused the incident. However, being angry with the claims adjuster is not going to help you get a fair personal injury settlement. You should be calm and polite when speaking to insurance adjusters, as this may help them handle your claim more promptly and may convince them that your story is correct.

2. Identify the Person You Are Speaking With

Before you discuss anything with an insurance claim adjuster, get the name, phone number, and business address of the person you are speaking with. Make sure you know which insurance carrier they are representing as well as the name or business of the policyholder they are covering.

3. Give Limited Personal Information

You only need to give the insurance carrier limited personal information, including your full name, address, and telephone number. Feel free to tell them where you work and what kind of job you have. However, you do not need to go into any other details about your daily life activities, your work schedule, or your personal life.

4. Give No Details of the Accident

Insurance claims adjusters may ask you to give a statement about how the accident occurred. You do not need to give any information other than the most basic details about the incident: when it happened, where it happened, the vehicles involved, in the identity of other drivers and witnesses. You can tell the insurance claims adjuster that your own investigation into the accident is ongoing, and you will discuss all of the facts at a later time. Be especially cautious when dealing with the other party’s insurance company, as they may use any information you provide to minimize your claim.

5. Give No Details of Your Injuries

Insurance companies and their adjusters are going to want to know about your injuries, but do not go into any details. At this point, you may not know the full extent of your injuries, or you may leave details out when speaking to the adjuster. Tell the adjuster that you are still receiving medical treatment, and leave it at that.

6. Resist Initial Settlement Offers

You may be offered an early settlement for your claim. While it may be tempting to take an early offer, you need to understand that initial settlements are often well below what you should be receiving for your claim. Never accept an offer until you know the full extent of your losses, and only accept an offer that covers these expenses. Consulting an experienced car accident attorney can help you understand the true value of your claim and resist low settlement offers.

7. Refuse to Give Recorded Statements

An insurance claims adjuster may tell you to record a statement about the accident or your injuries. You do not have to do this, and make sure to tell them that you do not consent to recorded statements. Instead, focus on communicating with your own insurance company to ensure your interests are protected.

Common Questions and How to Respond

When you talk to insurance claims adjusters, they’ll ask a series of questions to gather information about the accident and your claim. Be ready to answer questions about what happened during the accident, who was involved, what your injuries are, and how the accident has affected your daily life. Stick to the facts and avoid speculating or giving opinions. Some common questions you might encounter include:

  • What happened during the accident?
  • Who was involved in the accident?
  • What were your injuries?
  • How did the accident affect your daily life?

When responding, be honest and concise. Avoid providing more information than necessary, and never admit fault or liability. If you’re unsure about an answer, it’s perfectly fine to say “I don’t know” or “I’m not sure.”

Seeking Professional Help

If the insurance claims process feels overwhelming or you’re unsure about how to proceed, seeking professional help from a personal injury attorney can be a wise move. An experienced attorney can guide you through the process, protect your rights, and help you secure fair compensation for your damages and injuries. They can also handle communications with the insurance adjuster on your behalf, ensuring that your interests are well-represented. Many personal injury attorneys offer free consultations, so you can get advice without any initial cost.

Final Tips

When dealing with insurance claims adjusters, keep these final tips in mind:

  • Be polite and courteous but also firm and assertive.
  • Stick to the facts and avoid speculating or providing opinions.
  • Avoid admitting fault or liability.
  • Don’t provide more information than necessary.
  • Keep detailed records of all conversations and correspondence.
  • Consider seeking professional help from a personal injury attorney.

By following these tips and being well-prepared, you can navigate the insurance claims process with confidence and ensure that your rights and interests are protected.

Let Callahan & Blaine Handle the Insurance Company for You

Dealing with insurance adjusters after an accident can be intimidating—and one wrong move can jeopardize the compensation you deserve. At Callahan & Blaine, we’ve been protecting accident victims for over 40 years. Our seasoned attorneys know how to handle insurance companies and their tactics, so you don’t have to. We’ll take care of the calls, negotiate aggressively on your behalf, and make sure you’re not pressured into accepting a lowball offer.

Let us focus on the legal side while you focus on your recovery. Call us at (714) 241-4444 or reach out through our contact form to speak with a senior attorney today.

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Legally reviewed by:
Callahan & Blaine
April 4, 2025

Callahan & Blaine, established in 1984, is a leading litigation firm with a legacy of delivering exceptional results for our clients. With over 700 years of combined trial experience and a proven track record of more than $1 billion in verdicts and settlements, our team of highly recognized attorneys specialize in handling complex and high-stakes civil cases with unparalleled efficiency and skill.

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