Never Speak With an Insurance Adjuster Following An Auto Accident Without First Speaking To
Updated: May 28
When you have been injured in an accident caused by someone else's negligence, you should be aware that you generally have two insurance companies to deal with. There is the insurance company of the party who caused the accident, as well as your insurance company.
When it comes to your own insurance company, it is best to call them and open the claim. Inform them that you have been in an auto accident, (albeit car accident, motorcycle accident, Uber accident, Lyft accident, commercial truck accident). It is best to do so as soon as possible. Provide them with all of the factual information, including the location of the accident, the conditions of the road, the weather, the traffic status, the time and date of the accident and a list of the people involved. DO NOT DISCUSS any of the injuries you sustained with the insurance adjuster until AFTER you consulted with an experienced auto accident lawyer.
The insurance adjuster will ask you questions to try to get you to tell them you are not in pain and that the accident wasn't that bad. For these reasons, avoid speaking about anything related to your pain or injuries sustained as a result of the accident until after you have consulted with an accident lawyer. You should also not provide them with your explanation for why and how the accident happened.
ONE MORE THING: NEVER EVER LET ANY INSURANCE COMPANY RECORD A STATEMENT WITHOUT SPEAKING WITH YOUR LAWYER FIRST.
There are circumstances, such as in the case of an uninsured motorist claim, where you may have to deal with your own insurance company as the opposing insurance company, which means you have to give them the factual information, but nothing else. Your auto accident lawyer will know this, which is why you should hire one early on.
WHY YOU SHOULDN'T SPEAK TO THE OTHER DRIVER'S INSURANCE COMPANY:
For starters, they're not on your side. Their goal is to pay you as little as possible. Also, you are never obligated to speak to them. Here's what they will try to do to get information from you and then use it against you:
1) THEY WILL CONTACT YOU RIGHT AWAY AND WILL BE SUPER FRIENDLY
Before you've had a chance to hire a lawyer, the adjusters on the other side will try to contact you as soon as possible. The danger in this is that they will try to asses your injuries before you even realize the extent of your injuries.
a) so they don't have to pay for your injuries, property damage, or loss of wages, and
b) so they can convince you not to hire an attorney.
They will treat you like their best friend and make you a lowball settlement offer and convince you its a good deal. Their primary goal is to dissuade you from filing a claim against their client; the driver.
2) THEY WILL ALWAYS TRY TO GET YOU ON THE RECORD
Insurance adjusters will always try to get you on the record, ask you leading questions designed to put their client in the best light, and ultimately jeopardize your entire claim.
3) INSURANCE ADJUSTERS DO NOT WANT YOU TO HIRE AN ATTORNEY
Why? Its been statistically proven that injured victims of accidents who hire an attorney to handle their case get between 2x-5x more in a settlement than those who handle their case without an attorney.
Insurance companies know they can pay you far less money if you don't hire an experienced auto accident attorney. They don't really care about your well-being, they care about telling their boss they paid you as little as possible.