What Should You Not Say To An Insurance Adjuster?

When dealing with an insurance adjuster, it's crucial to be cautious about what you say. Insurance adjusters are educated to collect data that could be used to assess and possibly reduce the value of your claim. Here are things you should avoid saying to an insurance adjuster:

Admitting Fault: Never admit fault or responsibility for an incident, whether it's an auto accident or any other covered event. Even if you believe you may have contributed to the incident, don't make admissions without a thorough investigation and legal advice.

Speculating: Avoid speculating about the cause of the incident or the extent of your injuries or damages. Stick to the facts and what you know for sure.

Exaggerating or Guessing: Be accurate and truthful in your statements. Exaggerating injuries or losses or providing estimates without evidence can damage your credibility.

Accepting the First Offer: If the adjuster offers a settlement early in the process, it's generally wise not to accept it immediately. Initial offers are often lower than what you may be entitled to, so take time to assess your situation and consult with experts if needed.

Signing a Release Without Review: Never sign any release, waiver, or document provided by the adjuster without fully understanding the terms and implications. Such documents may limit your right to pursue further claims or compensation.

Discussing Your Prior Injuries: Limit discussions about any prior injuries or medical conditions. The adjuster may attempt to use this information to argue that your current injuries are pre-existing and not related to the incident.

Providing a Recorded Statement: While you may be required to provide a statement, avoid providing a recorded statement without consulting an attorney. Recorded statements can be used against you if there are inconsistencies or misunderstandings.

Apologizing or Expressing Sympathy: Avoid making apologies or expressions of sympathy, as these can be interpreted as admissions of fault. Stick to factual statements and avoid making emotional or empathetic remarks.

Negotiating Without Understanding Your Policy: Don't attempt to negotiate with the adjuster without a full understanding of your insurance policy, including coverage limits, deductibles, and exclusions.

Agreeing to an Inadequate Settlement: Refrain from agreeing to a settlement offer that you believe is inadequate for your injuries or damages. If you have any doubts about the offer's fairness, you should consult a lawyer.

Engaging in Casual Conversation: Keep your discussions with the adjuster focused on the claim and avoid casual or off-topic conversations. The adjuster may use any information you provide against your interests.

Making Statements About Future Claims: Don't discuss potential future claims or compensation needs related to long-term effects or ongoing treatment unless you've consulted an attorney.

Becoming Confrontational or Aggressive: Maintain a professional and respectful demeanor when speaking with the adjuster. Confrontational or aggressive behavior can hinder productive communication.

Implicating Others: Be cautious about implicating other parties, as this can have legal consequences. Focus on your own situation and let your attorney handle discussions about other parties' liability.

When dealing with an insurance adjuster, it's essential to be mindful of the information you provide and how it may be used in evaluating your claim. Consider consulting with an attorney experienced in insurance claims to ensure you protect your rights and receive fair compensation for your covered losses.