Dealing With Insurance Adjusters After an Injury
What insurance adjusters do, what to expect from the first call, and common mistakes to avoid.
Who the adjuster works for
An adjuster handles claims for an insurance company. Even a friendly adjuster is working to resolve claims in the company's interest, which is not always the same as yours.
Common situations
- A call within days of the accident asking for a recorded statement
- A quick settlement offer before the full extent of your injuries is known
- A request to sign a broad medical authorization
- A suggestion that treatment is unnecessary or too expensive
Practical tips
- You can report the basic facts of the accident to your own insurer, but many people choose to get advice before giving a recorded statement to the other side's insurer.
- Do not accept a settlement until you understand your medical outlook.
- Ask for requests in writing and keep copies of everything.
- Never sign anything you do not fully understand.
When to get help
If injuries are serious, fault is disputed or an offer seems low, speaking with a personal injury lawyer can help you understand your options before you commit to anything.
Not legal advice. This guide is general information. Laws and deadlines differ by state. Please speak with a licensed attorney about your situation.