What Should I Say When An Insurance Adjuster Calls?

Old Fashion Phone Hooked Up to Telephone Pole in the Country

Speaking To An Insurance Adjuster

If you have recently been in a car accident, you can expect a call from the other driver's insurance company. You must remember who this adjuster works for. Insurance companies do not make money by paying out claims. The adjuster will look for any reason to deny your claim or offer the least amount of money possible. 

You Do Not Have To Speak With An Adjuster

You are under no legal obligation to speak with the other driver's insurance adjuster, and it may be best to politely refuse. You are ok giving your name, address and telephone number, but do not feel pressured to discuss anything further or answer any questions. The adjuster may ask about how the accident happened or where it happened, these may seem like innocent questions, but again, remember who the adjuster works for. If you have hired an attorney, politely tell the adjuster to contact your attorney with any further questions. 

You Are Not Required To Provide A Recorded Statement

Frankly, you should probably always refuse giving a recorded statement. Don't give the insurance company a permanent record they can later use against you. Although you may think that you will say all the right things, people often forget little details or misstate a critical point. Why take the chance. I was recently hit by another driver, thankfully with no injuries, and the first question the other driver's adjuster asked was "do you mind if I record this call." I politely said "I will not be giving a recorded statement." In my case there is a video from the parking garage, so I told the adjuster to watch the video and get back to me. 

You Are Not Required To Speak About Your Injuries Or Provide Authorization For Your Medical Records

Early on, after your accident, the full extent of your injuries may be unknown. A minor injury, over time, may manifest into a more serious problem. In addition, you don't want to make the mistake of leaving something out and having to explain that later to a jury or opposing counsel. You can simply tell the adjuster you are seeking or currently receiving medical care, you do not have to tell them where or from whom.  Your attorney can later provide the relevant medical records to the adjuster during negotiations of your claim. Furthermore, an adjuster may want you to sign an authorization allowing them to get your medical records. By signing a waiver, you are then allowing the adjuster to get any and all medical records for your entire life, much of which is none of their business. Why would anyone allow an insurance company full access to their medical history. Your attorney will review all records and provide what is necessary. 

If You Have Any Questions Regarding A Car Accident In Florida

Please contact Clifton Law Office, you can reach me at my contact page online or call me directly at 904-209-4883

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