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Should I talk to the insurance adjuster after an accident?

While you can, we don’t always recommend it following a serious accident.

The insurance adjuster is calling to get you to make statements (usually it is a recorded call) about the events leading up to and including the accident.

They will also ask you about your injuries and whether you went to a hospital or a doctor following the accident.

Practical Tip

Even though I’ve never met an adjuster that went to medical school, they seem to know just what treatment is right for you!  Usually, they “know” that you were over-treated because “our computers say you should have been better by now.”  Oh, and the amount the medical provider charged you was unreasonable, even if your health insurance company didn’t have a problem with the amount when they paid it.

Andrew Traub

While it may seem innocent enough, the problem with talking to an insurance adjuster after a serious accident is that the adjuster is actually probing and looking for ways to minimize their liability, either through putting blame on you or through finding ways to blame your injuries on a prior problem or finding out that you’ve been seeing a doctor for a similar complaint before.  They can then use your statement against you at a later time should you bring a lawsuit against the driver or owner of the other car invovled in your accident.

If an insurance adjuster calls to talk to you, tell them you’ll be happy to speak to them, after you speak with your attorney.

You can order a copy our free consumer guides, including “The Seven Deadly Sins That Can Wreck Your Injury Claim”, to learn more about personal injury claims in Austin, TX by following this link

If you have a question for Andrew, you can submit it confidentially online.

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