Should You Speak With the Insurance Adjuster?

Within hours or days after an accident, the at-fault driver's insurance company will likely call you. The adjuster will be polite and professional. But you need to understand what's actually happening — and whether you should speak with them at all.

Key Takeaways

• You are NOT legally required to speak with the other driver's insurance adjuster
• Adjusters are trained to gather information that minimizes your claim
• Early calls often come before you know the full extent of your injuries
• Cooperation with YOUR OWN insurer is generally required under your policy terms

The Two Types of Adjusters You'll Encounter

Your Own Insurance Company's Adjuster

You have a contractual obligation to cooperate with your own insurance company. This includes reporting the accident promptly and participating in the claims process.

With your own insurer: Be factual, cooperative, and report what happened accurately.

The At-Fault Driver's Insurance Adjuster

The other driver's insurance company has no contractual relationship with you. Their adjuster works to minimize what their company pays.

With the at-fault driver's insurer: You have no legal obligation to provide a recorded statement or cooperate beyond what your attorney advises.

Why Adjusters Call So Quickly

• Before you've seen a doctor — to use any minimizing statements about injuries
• Before you've consulted an attorney — you're more likely to say something damaging
• Before you know your full injuries — to offer a settlement that covers far less than needed
• While you're still in shock — to capitalize on emotional vulnerability

What To Do When the Other Insurer Calls

1. Confirm their company name, adjuster's name, and claim number
2. Provide only basic identifying information — name, contact info, date and location of accident
3. Do NOT give a recorded statement: "I'm not prepared to give a recorded statement at this time"
4. Ask for their contact information and tell them you'll be in touch
5. If they press, repeat: "I'm not able to discuss the details of this claim right now"

FAQ

What if the adjuster says they can't process my claim without a recorded statement? This is a pressure tactic. They can investigate without your recorded statement.

Should I hire an attorney before talking to the adjuster? For any accident involving injury, consulting an attorney before giving any recorded statement is wise.

What happens if I refuse to speak with the other driver's adjuster? Nothing negative happens to you. The claim continues. You are not penalized for exercising your right to decline.

Disclaimer: This article provides general information and does not constitute legal advice.