7 Things You Shouldn’t Say To An Insurance Adjuster

insurance agent writing on clipboard after a car accident

If you have been seriously injured in a car accident in New York that was not your fault, you will most likely be contacted by an insurance claims adjuster. Insurance companies are for-profit businesses, and their objective is to minimize claims. In order to recover the full and fair compensation you deserve for your injuries, you should be very careful when speaking with an insurance adjuster.

An insurance adjuster will take your claim more seriously if you have a skilled and experienced New York car accident attorney in your corner. A lawyer will be able to accurately calculate the value of your car accident claim, factoring in the full extent of your injuries and all your medical bills, lost wages, pain and suffering, and other damages.

Have you been seriously injured in a car accident in New York? You may be stuck with piling medical bills and out of work. A traumatic car crash can be stressful and overwhelming. As your injuries disrupt your daily life, financial difficulties can make things even more difficult.

The highly skilled and experienced New York car accident lawyers of Finz & Finz, P.C., are ready to help you obtain the financial recovery you need from those responsible for your injuries. Call today at 855-TOP-FIRM to schedule a free and confidential consultation with our New York car accident lawyers.

If you have been contacted by an insurance adjuster, don’t say the following:

  1. Never admit fault

    Never admit any kind of fault or say you are sorry. An insurance adjuster is looking for reasons to minimize the insurer’s liability. If you take the blame for a car accident that was not your fault, you can expect the insurance adjuster to use it against you to make sure you are not able to obtain financial compensation. Any form of admission of fault or negligence can significantly compromise the claim. Even if you were actually at fault, you do not have all the facts yet. Allow the process to work itself out. The accident needs to be thoroughly investigated before you accept any blame for it.

  2. Don’t provide info about your injuries

    The insurance adjuster will likely ask you about your injuries. You do not have to answer them. Politely explain to the insurance adjuster that you will disclose information about your injuries after your New York car accident lawyer drafts a demand letter to the insurance company. Also, you may not even know the full extent of your injuries at the time the insurance company contacts you. Wait until a doctor can give you a complete diagnosis before discussing your injuries. Some injuries, such as traumatic brain injuries (TBIs), are often slow to reveal symptoms. If you speak too soon about your injuries, the insurance company may assume your injuries are less severe than what they actually are.

  3. “I’m fine.”

    If you say you are fine to an insurance company, they will interpret it as though you did not suffer any injuries that require financial compensation. Refrain from saying you are fine until you know the full extent of your injuries you have sustained.

  4. Don’t agree to sign a statement or release documents

    Because insurance adjusters are trying to limit your claim, an adjuster may search through your medical history, looking for ways to claim your injuries were due to preexisting conditions. If you agree to sign a statement or provide documents on your medical history, it may come back to haunt you later.

  5. Don’t give a recorded statement

    You are not legally required to agree to provide a recorded statement to an insurance adjuster. You may politely refuse. An insurance adjuster cannot require you to give a recorded statement. Saying no is the right choice because it prevents the adjuster from potentially using a recorded statement against you in the future. Insurance adjusters often try to catch you altering your story. A minor difference could diminish your credibility.

  6. “They came out of nowhere.”

    A statement such as this can lead the insurance adjuster to ask further questions. They begin to wonder if you were not paying attention. It is best to avoid any statements that cause an insurance adjuster to look into if you were partly at fault.

  7. Avoid giving details about the accident or your damages.

    Don’t make guesses or estimations about what occurred. If you do not know the answer to a question, it is best to say nothing—only state the facts. An adjuster may ask you several things in a variety of ways. The answers to these questions can later be used to prevent you from recovering full compensation. When the adjuster asks you about the damage, get a quote from your own repair shop, rather than the place they suggest.

Contact a New York Accident Lawyer

Dealing with insurance adjusters can be intimidating. If you are filing a claim following a car accident, you may need assistance from an experienced New York car accident attorney. At Finz & Finz, P.C., our New York personal injury lawyers have helped thousands of injury victims get their lives back on track following an accident. We have the skills, knowledge, and resources to help you build the strongest claim possible. We will fight tirelessly for the maximum compensation you deserve for medical expenses, property damage, lost wages, pain and suffering, and other damages.

To schedule a free and confidential consultation, contact us at 855-TOP-FIRM. The New York car accident attorneys at Finz & Finz, P.C. are ready to help you move forward with your life after a car accident. Our personal injury lawyers work on a contingency fee basis, meaning that we do not get paid until you receive a financial award.

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Finz & Finz, P.C. is a New York and Long Island personal injury law firm based out of Mineola, NY. It was founded in 1984 and is highly rated, with many honors and awards of excellence.