What You Should Never Say to an Insurance Adjuster

Motor vehicle accidents are often overwhelming, traumatic events and, unfortunately, the days and weeks after the initial incident are often just as nerve-wracking, especially when it comes to dealing with the other party’s insurance company. The adjuster you speak with might seem friendly, but he or she is not interested in helping you maximize compensation. Instead, the adjuster’s job is to save the insurance company money and, to accomplish this, he or she will try to glean statements from you that will harm your claim.

Watch What You Say

An accident can leave you feeling shaken and frustrated, both of which can lead you to impulsively say the wrong thing. If you do not feel like you are in the right frame of mind to speak to an insurance adjuster, reschedule the call at a later date or time.

Of course, you will not be able to avoid this call forever. During your initial conversation with the insurance adjuster, avoid saying the following:

  • Apologetic statements: Even without outright taking responsibility for the accident, an apologetic statement can still be perceived as an acceptance of fault. To avoid being misunderstood, do not apologize or say anything that can be interpreted as an apology.
  • How it happened: It is not your job to tell the insurance adjuster how the accident occurred. All you have to do is provide basic details, such as where the accident happen, when it happened, and who was involved. You do not need to speculate why it happened, even if they make you feel obligated to do so.
  • Your injuries: It is still too early for you to discuss your injuries, so politely decline any discussions about your injuries. Even if you already received a medical diagnosis, now is not the time to talk about the extent of your injuries or how long you believe it might take for you to achieve a full recovery. Your personal injury attorney will address your injuries when negotiations begin on your settlement.

Lastly, you should never provide a recorded statement. The adjuster might make you feel like it is a requirement, but you are absolutely not obligated to acquiesce this request. Remember, there is no need to be rude when declining an insurance adjuster’s request, so politely reject any requests for a recorded statement and, if the adjuster persists, refer him or her to your attorney.

Speak to a Compassionate Personal Injury Attorney!

If you were injured in a car accident, secure the skilled legal help you need to hold the responsible party liable. At Tedford & Associates, our personal injury attorneys have over three decades of combined experience and will fight tirelessly on your behalf to obtain the compensation you deserve.

Call the compassionate legal team Tedford & Associates today at (626) 325-0142 to schedule a free consultation and learn more about what we can do for you! You will not owe us any legal fees until we win your case.


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