After a car accident, one of the first people you’ll hear from is the insurance adjuster. While they may seem helpful, it’s important to remember that their job is to protect the insurance company’s interests—not yours.
Here are some of the most common mistakes people make when dealing with insurance adjusters—and how to avoid them.
Giving a Recorded Statement Too Soon
One of the biggest mistakes is agreeing to give a recorded statement right after the accident. You might still be in shock, confused, or unaware of the full extent of your injuries. Anything you say can be used against you to minimize or deny your claim.
Tip: Politely decline to give a recorded statement until you’ve spoken with a personal injury attorney.
Downplaying Your Injuries
Many accident victims try to be polite and say they’re “fine,” even if they’re hurting. But this can be taken as proof that you weren’t seriously injured. Some injuries—like whiplash, soft tissue damage, or concussions—can take days to show symptoms.
Tip: Don’t discuss your injuries until you’ve been seen by a doctor and understand your condition.
Accepting the First Settlement Offer
Insurance companies often make lowball settlement offers soon after an accident, hoping you’ll accept before realizing the full cost of your injuries and damages.
Tip: Never accept the first offer without consulting a lawyer. Once you settle, you can’t go back and ask for more—even if medical bills keep adding up.
Admitting Fault Without Knowing All the Facts
Even a simple “I’m sorry” can be taken as an admission of guilt. But the truth is that determining fault requires a full investigation. Don’t let a casual comment ruin your claim.
The bottom line? Insurance adjusters are not on your side. Before speaking to them, make sure you know your rights. Ifyou’ve been injured in an accident, contact us today for guidance and protection.
