After an accident, the other side's insurance company often calls within a day or two. The adjuster is polite, sympathetic, and seems eager to help. It is worth understanding what that call is really for.
The adjuster works for the insurance company
Adjusters are trained negotiators. Their performance is measured by how efficiently they resolve claims, which usually means for as little money as possible. Nothing about that makes them bad people. It just means their interests are not your interests.
Common tactics to watch for
- Asking for a recorded statement early, while you are still shaken and before you know the extent of your injuries
- Asking open questions like "how are you feeling?" hoping you say "fine" on the record
- Offering a quick settlement before your medical picture is clear
- Requesting broad access to your medical history, not just records related to the crash
What you can safely do
Be polite, confirm basic facts like the date and location of the accident, and take down the adjuster's name and contact information. You generally do not have to give a recorded statement to the other driver's insurer, agree to a settlement, or sign anything on the spot. It is reasonable to say you will follow up after you have spoken with an attorney.
A short call with a lawyer before you talk numbers can change the entire course of a claim. Consultations are free and carry no obligation, so you can get real answers before the insurance company gets yours.