Is the Insurance Adjuster on My Side?
No. Within 24 to 48 hours of your accident, you will likely receive a phone call from the at-fault driver’s insurance adjuster. They will sound friendly, empathetic, and helpful. Do not be fooled. Their primary job is to protect their company’s profit margins by finding a reason to deny your claim or drastically reduce your payout.
What Should You NEVER Say on a Recorded Line?
Insurance adjusters are trained interrogators. They will ask leading questions designed to trick you into admitting fault or downplaying your injuries. Never say these five things:
“I’m sorry.” Even if you are just being polite, apologizing can be legally twisted into an admission of guilt.
“I feel fine” or “I only have a few bumps.” Adrenaline masks pain. If you say you feel fine on day one, but discover you have a herniated disc on day four, the insurance company will use the recorded statement to claim your back injury is unrelated to the crash.
“I think the accident happened because…” Never guess. If you do not know an exact speed, distance, or detail, simply say, “I do not know.” Guessing creates inconsistencies in your story.
“I do not have a lawyer yet.” This signals to the adjuster that you do not know your legal rights, making you a prime target for a lowball settlement offer.
Agreeing to give a recorded statement. You are under no legal obligation to give a recorded statement to the other driver’s insurance company. Simply decline.
How to Handle the Insurance Company
The safest way to deal with an insurance adjuster is to not deal with them at all. When they call, you only need to say one sentence: “Please direct all communication to my attorneys at Howe.Law Injury & Accident Lawyers.”
Once you hire us, we take over all communication. We shield you from manipulative tactics, handle the aggressive negotiations, and ensure you do not accidentally jeopardize your case.
Do not let the insurance company trick you out of your settlement. Call Howe.Law Injury & Accident Lawyers at (844) 876-4357 for a free, no-obligation consultation.
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