What Not to Say to an Insurance Adjuster After an Injury
Insurance adjusters are trained to gather information that can reduce the value of your claim — often through casual-sounding questions early in a call. Here's general guidance on what to be careful about.
Avoid guessing about fault
Phrases like "I might have been going a little fast" or "I didn't see them" can be used later to argue you share fault, even if you were simply being polite or uncertain in the moment. Stick to the facts you're sure of.
Avoid downplaying your injuries
Saying "I'm fine" or "it's not that bad" — common reflexive responses right after an accident — can be used to argue your injuries weren't serious, even if symptoms worsen over the following days.
Avoid giving a recorded statement without preparation
Adjusters often ask to record an initial statement soon after an accident, while you may still be in shock or not have a full picture of your injuries. You are generally not required to provide one immediately, and it's reasonable to ask for time.
Want a second opinion before your next call with an adjuster? Request a free case review.
This article is general legal information, not legal advice. We are not a law firm. Using this site does not create an attorney-client relationship. Laws vary by state and change over time — confirm details with a licensed attorney in your state.