Communication Mistakes While Talking to an Insurance Adjuster


Sometime after a car accident in Texas, you may have to speak with an insurance adjuster. You should let a lawyer handle all written communication with the insurance company if you’ve been injured. Several ways in which a conversation with an adjuster could go wrong. Visit this page to know more!

What exactly does an insurance adjuster do?

A car accident results in insurance adjusters being tasked with the following duties:

  • Finding out what happened in the accident
  • Responsibility Analysis
  • Finding compensation amounts
  • Agreements through Discussion and Bargaining

Insurance adjusters, like everyone else, are simply doing their job. Yet, it is essential to remember that the insurance adjuster is an employee of the insurance company and not the policyholder. For this reason, the adjuster may have an interest in delaying, undervaluing, or even rejecting your claim. A lawyer specializing in auto accidents knows the ins and outs of negotiating with insurers and can help you avoid making rookie mistakes.

Things You Should Never Tell an Insurance Adjuster

Please Don’t Take the Blame

Your statements will be used against you by the adjuster. The minutes, hours, and days following an accident are often chaotic, perplexing, and stressful. Whatever you say to the adjuster about fault can be used as evidence that you are accountable for the losses and harm. An insurance adjuster is extremely sensitive to even the slightest sign of weakness, and even an “I’m sorry” might hurt the resolution.

An insurance adjuster can easily reject a claim if you admit culpability or even just seem guilty. That’s why it’s smart to get legal advice before chatting with an adjuster or in person.

Refuse to Sign a Medical Release Form

Giving an adjuster access to your medical records may seem like a good idea at the time, but doing so might lead to complications. An insurance adjuster can claim that your injuries are unrelated to the accident or caused by pre-existing conditions found in your medical records.

Never sign a medical release or speak to an insurance adjuster before you have legal counsel present. An experienced automobile accident attorney will be there for you every step of the way to make sure you don’t mess up your claim and end up with no money.

To reject the initial settlement offer

Victims of vehicle accidents often make the mistake of accepting the first settlement offer made by the insurance company. But, remember that the opening bid is almost often the lowest acceptable offer. Since insurers would rather not fork over a lot of money, they typically offer the bare minimum when settling disputes.

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