Should I Talk to an Insurance Adjuster After a Car Accident?
If you’ve been in an auto accident, an insurance adjuster might call and ask you for a recorded statement. When that happens, you might be asking yourself questions like, “Do I have to talk to this person?” and “Should I talk to this person?”
In both cases, the answer is no. While you should be polite, it’s almost never in your best interest to share a lot of information with the at-fault driver’s insurance company. Instead, contact an experienced personal injury lawyer for help with your claim.
Read on to learn more about insurance adjusters, their employers, and how to deal with them after a car crash.
How Do Insurance Companies Evaluate Accident Claims?
After a car accident, you typically must file insurance claims with the relevant insurance companies. While many car accident claims only involve one insurer, others are more complicated.
For example, after a car accident, you might have claims involving:
- The at-fault driver’s or drivers’ insurance policies
- Your personal insurance protection (PIP) or MedPay policy
- Your uninsured/underinsured motorist (UI/UIM) policy
- Workers’ compensation
It’s important to identify these claims as quickly as possible. Typically, there are strict filing and notice deadlines for car accident and personal injury claims. If you don’t file a claim or lawsuit within the correct period of time, you’ll lose any chance to receive compensation for your injuries and other losses.
Once you file a claim, each insurance company will investigate the circumstances surrounding your accident. Typically, the insurance company will collect and review evidence, including:
- Accident and crash reports
- Claim forms
- Information about your work and lost wages
- Medical records and bills
- Witness statements
Based upon its review of your evidence, the insurance company will either approve or deny your claim. If the insurance company denies your accident claim, you should immediately contact Crosley Law for help.
How Insurance Adjusters Use Victims’ Statements to Deny Car Accident Claims
While many accident victims try to handle their insurance claims on their own, doing so typically isn’t in your best interest. The insurance adjuster might seem pleasant, but he or she is not your friend. An insurance adjuster’s job is to protect the interests of its for-profit employer and cut its costs. If you give the insurance adjuster any grounds they can use to question the validity of your claim, he or she will deny the claim.
During the statement, the adjuster will ask questions about your accident, your injuries, and other issues. Later, if you make statements that contradict your recorded statement, even in minor ways that seem insignificant, the insurance company will use it to try and discredit you.
Unfortunately, it’s surprisingly easy to make inconsistent statements after a traumatic crash. After your accident, you might be in severe pain and on large doses of medications that affect your ability to think clearly. And, as time passes, your memory of the accident might fade. Or, the adjuster might encourage you to speculate about the accident, the extent of your injuries, or other issues. If you fall for the insurance adjuster’s tactics, you might seriously weaken your case.
This is why insurance adjusters and the companies that employ them love recorded statements from injured victims, especially when the victim is alone and unrepresented. These statements simply serve as extra ammunition the insurance company can use as they try to deny the victim’s claim.
When you work with an experienced car accident attorney at Crosley Law, the insurance company can no longer contact you directly. Instead, we’ll oversee every aspect of your claim: responding to insurance company questions, handling paperwork and filing deadlines, and demanding fair compensation for your injuries.
When in Doubt, Contact an Experienced San Antonio Personal Injury Lawyer
There is no rule requiring you to talk to a representative from the other party’s insurance company. If you have an injury claim, you can and should refuse to speak with an adjuster from the other side until you consult with an attorney. And the more serious your injury claim, the more seriously you should take this advice.
If an adjuster from your own insurance company wants to speak with you, they’re usually there to help you. However, there are exceptions to this rule. If you have sustained a serious injury due to someone else’s negligence, whether in a car accident or another type of incident, your best course of action is to first call Crosley Law Firm right away before talking to anyone from any insurance company.
Crosley Law: Fighting for San Antonio Car Accident Victims
Crosley Law Firm represents victims who have been hurt in serious accidents involving cars, buses, trucks, and other vehicles. If you or a loved one has questions about your car accident claim, contact the team at Crosley Law Firm by completing our online form or calling us at 210-529-3000. One of our experienced lawyers will get in touch with you as quickly as possible. We offer a no-fee policy, so there’s no risk to contacting us today.
The content provided here is for informational purposes only and should not be construed as legal advice on any subject.
Related ArticlesView All Blog Articles
What Is a Lawsuit and How Does It Fit Into My Personal Injury Claim?May 26, 2021
“I’ll see you in court.” It’s a dramatic statement, but what does it really mean? You’ve probably heard the phrase, but many people don’t really know what it means to “file suit.” You might know that it’s part of the personal injury claim process; but where does it fit in—and what does it involve? This […]
Texas’ COVID-19 Jury Trial Recommendations: What You Need to KnowOct 24, 2020
Before COVID-19, Texas courts heard approximately 186 jury trials each week. Between March 12 and August 28, 2020, there were only 20 jury trials heard in our state. Currently, there are thousands of cases waiting for a trial in Texas, and the number is growing every day. On August 28, 2020, Texas issued new recommendations […]
Courts and Coronavirus: How San Antonio Is Moving ForwardMay 07, 2020
San Antonio’s fight against COVID-19 is ongoing. At Crosley Law, we’re carefully monitoring our local government’s coronavirus response and how it impacts our clients’ personal injury claims. We understand that this is a stressful time, especially if you’re recovering from a car crash or another type of injury and need compensation for your lost income […]
Most Interesting Dan in the WorldApr 18, 2019
If you were a newly minted attorney in the late ’90s, chances are your prominent office décor featured wall-to-wall boxes of discovery and a splash of color courtesy of your PC’s tropical island wallpaper. It might have been a similar setting for Daniel M. Pacheco had he continued to forge 60-hour work weeks at a […]
Crosley Law Furthers Commitment to Excellence at AAJ ConventionJul 27, 2018
Over the years, personal injury litigation has become more and more complex. It requires working closely with expert witnesses, developing complicated legal theories, conducting detailed and careful investigations, using cutting-edge technology, and much more. As part of our ongoing commitment to providing outstanding service to our clients, the Crosley Law team sent nearly all of […]
Interns in the Legal Profession
This. Is. Sparta! You have put in the long hours and grueling study sessions, and you are well on your way towards your law degree. Congratulations! Now what? The economic downturn of 2008 caused many businesses and corporations to decrease their legal spending as an austerity measure. One consequence of this was a sharp decline […]
What Should I Expect if I Have to Give a Deposition?
A deposition can be an intimidating prospect, and clients of attorneys often have questions about what to expect. In this video, Personal Injury Attorney Tom Crosley explains how a typical deposition unfolds. Crosley explains that during a deposition, the defense will usually ask detailed questions about your medical history and the circumstances of any accident […]
Military Appreciation Month: May 2016
May is Military Appreciation Month, and Crosley Law Firm wants to acknowledge the selfless service of our military men and women, both stateside and abroad. San Antonio, or Military City USA, is home to one of the nation’s largest populations of active duty service members, many of whom work at Joint Base San Antonio. Joint […]
Celebrate Law Day 2016 on Sunday, May 1
May 1 Is Law Day Law Day is a holiday that celebrates the role of law in our nation’s history and culture and allows us to learn a little more about a specific topic in legal history. Law Day dates back to 1958 when President Dwight D. Eisenhower issued a proclamation creating the holiday based […]
Do Injury Claims Always Go to Court?
People frequently ask how often injury claims actually go to court. In this video, Tom Crosley answers that question. According to Tom, only a small percentage of claims end up going to court; the remaining majority are successfully settled before that point. Even among cases that do go to court, many of them end up […]
Do you or a family member
need legal advice?
Crosley Law Firm, PC is a professional corporation of trial lawyers focused on representing individuals and families who have suffered serious personal injuries or wrongful death. If you’ve been injured, fill out the form for a free consultation, or call 210-LAW-3000.