What Not to Say to a Workers’ Comp Adjuster
When dealing with a workers’ compensation adjuster, what you say can directly impact your claim. Adjusters are trained to look for reasons to lessen or deny benefits, so being cautious and precise with your words is essential.
Avoid Admitting Fault
Never tell the adjuster the injury was your fault or that you were careless. Workers' compensation is usually a "no-fault" scheme, which means that you may still get benefits even if you were partly to blame for the accident. If you say you were at fault, the insurance company might be able to lower your claim or even deny it.
Don’t Downplay Your Injury
Statements like “it’s not that bad” or “I’ll be fine soon” can harm your case. Even if you’re trying to sound optimistic, insurers may interpret this as proof the injury isn’t serious. Always provide an honest, accurate description of your condition and its impact on your ability to work.
Never Speculate or Guess
If you don’t know the answer to a question, simply say so. Guessing about how the accident happened, your medical prognosis, or future work ability could create inconsistencies in your file. Adjusters often use inconsistencies as grounds to challenge credibility.
Avoid Discussing Pre-Existing Conditions Without Context
If you had prior health issues, don’t casually mention them without medical clarification. Adjusters may try to argue that your injury was caused by a pre-existing condition rather than a workplace incident. Only share medical details supported by your doctor.
Don’t Agree to Recorded Statements Too Quickly
An adjuster may ask for a recorded statement early in the process. Be cautious—these recordings can be used against you later. It’s wise to consult an attorney before agreeing, so you don’t inadvertently harm your claim.
Refrain From Talking About Your Finances or Personal Life
Details about your money struggles, hobbies, or outside activities are not relevant to your claim. Sharing too much could give the adjuster reasons to question your credibility or argue that you can work when you cannot.