What Not to Say to an Insurance Adjuster
Dealing with insurance adjusters can be one of the most challenging aspects of filing an insurance claim. Whether you’re recovering from a car accident, property damage, or another unfortunate event, what you say to an insurance adjuster can significantly impact the outcome of your claim. Insurance companies aim to minimize their payouts, and adjusters are trained to gather information that can be used to lower or deny your claim.
To protect your rights and maximize your settlement, consider contacting an Olympia injury attorney. Call Brumley Law Firm today at (833) 832-2727 to get your needed support.
1. Never Admit Fault
One of the most critical mistakes claimants make is admitting fault for an accident or incident. Even if you believe you were partially at fault, refrain from sharing this information with the adjuster. Determining fault is a complex process that often involves an investigation. Any admission of guilt, even something as simple as saying, “I’m sorry,” can be used against you to reduce your claim.
Instead, stick to the facts. Describe the event without assigning blame to yourself or anyone else. For example, if you were in a car accident in Olympia, Washington, focus on the sequence of events rather than speculating about who was responsible.
2. Avoid Giving a Recorded Statement
Insurance adjusters may ask for a recorded statement to “get your side of the story.” While this request may seem harmless, it’s often a tactic to gather information that can be used against you. Recorded statements are legally binding, and even minor inconsistencies in your account can be exploited.
Politely decline to give a recorded statement without consulting an attorney. You are not legally obligated to provide one, and it’s better to prepare with professional guidance to ensure your rights are protected.
3. Don’t Downplay Your Injuries or Damages
Many people downplay the severity of their injuries or property damage, especially if they’re not immediately apparent. For example, you might say, “I’m fine,” or “It’s not that bad,” only to discover later that your injuries or damages are more extensive than you initially thought.
Avoid making definitive statements about your condition. If asked about your injuries, a safe response is, “I’m still undergoing evaluation,” or “I’m following up with my doctor.” Similarly, avoid estimating the cost of repairs or damages until you’ve received professional assessments.
4. Refrain From Speculating or Guessing
When speaking with an insurance adjuster, stick to the facts and avoid speculating or guessing about details you’re unsure of. For example, if you’re asked about the speed of a vehicle at the time of an accident or the timeline of events, it’s okay to say, “I’m not sure” or “I’ll need to check.”
Speculative answers can lead to inconsistencies in your account, which the insurance company may use to question your credibility. It’s better to provide clear, factual information or defer to the results of investigations.
5. Don’t Accept the First Settlement Offer
Insurance companies often start with a low settlement offer to test whether you’re willing to accept less than you deserve. While the initial offer may seem tempting, especially if you’re facing financial stress, it’s rarely the best deal you can get.
Before accepting any offer, take time to review it thoroughly and consult with an attorney if needed. A legal professional can help you determine whether the offer is fair and negotiate on your behalf for a better settlement.
6. Avoid Sharing Too Much Information
While you must cooperate with the insurance adjuster, providing too much information can work against you. Sharing details about your medical history, unrelated past claims, or conversations with other parties involved can open the door to scrutiny and reduce your settlement.
Answer questions briefly and stick to the essential details. For instance, if asked about your injuries, limit your response to the injuries directly related to the incident and avoid discussing pre-existing conditions unless asked directly.
Get in Contact Now
Navigating conversations with insurance adjusters can be tricky, but knowing what not to say can help protect your claim and ensure you receive fair compensation. Consider consulting an attorney who can guide you through the process and advocate for your best interests.
If you’re facing challenges with an insurance claim, don’t go it alone. Call us now at (833) 832-2727 or complete our online form to schedule your free consultation today. At Brumley Law Firm, we’re here to help you every step of the way.