Should You Talk to the Insurance Adjuster After an Accident
Understanding what to consider before speaking with insurance representatives after an injury.
The short answer
An insurance adjuster investigates a claim on behalf of an insurance company and works for that company, not for you. You are generally not required to give a recorded statement to the other driver's insurance company, though your own policy may require you to cooperate with your own insurer. Many people share only basic information, such as their name and contact details, until they understand their rights.
Introduction
After an accident, you may be contacted by an insurance adjuster. Understanding the role of adjusters and what to consider before speaking with them may help you make informed decisions. This is general informational content and not legal advice.
What Is an Insurance Adjuster?
An insurance adjuster investigates claims on behalf of an insurance company. Their role is to evaluate the claim and determine what the insurance company may offer.
Things to Consider
- Insurance adjusters work for the insurance company, not for you
- Recorded statements may be used in evaluating your claim
- You are generally not required to give a recorded statement to the other driver's insurance company
- You may want to consult with an attorney before providing detailed statements
What You Might Say
If contacted, you can provide basic information such as your name and contact details. Many attorneys recommend limiting detailed discussions about the accident or your injuries until you've had a chance to understand your rights.
Frequently Asked Questions
Am I required to speak with the other driver's insurance company?
Generally, you are not legally required to give a recorded statement to the other party's insurance company, though your own policy may require cooperation with your insurer.
Can what I say be used against me?
Statements you make may be used in evaluating your claim. This is one reason many people choose to consult an attorney first.
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