After an accident, an insurance adjuster will likely contact you quickly — often sounding friendly and helpful. It is important to remember that the adjuster works for the insurance company, and their job is to resolve your claim for as little as possible.
Common Adjuster Tactics
- Calling early to get a recorded statement before you understand your injuries.
- Asking broad questions hoping you will say something that suggests you are at fault.
- Making a fast, low settlement offer while you are stressed and short on money.
- Downplaying your injuries or suggesting they are pre-existing.
- Requesting a blanket medical authorization to dig through unrelated records.
What You Should and Should Not Do
Be polite but cautious. You can confirm basic facts — that an accident occurred, the date, and the location — but you are not required to give a recorded statement to the other driver's insurer. Avoid speculating about fault or the extent of your injuries before they are fully diagnosed.
Never accept the first offer without understanding the full scope of your injuries and future costs. Early offers are frequently far below the true value of a claim.
How an Attorney Levels the Playing Field
Once you have legal representation, the adjuster must communicate through your attorney. This stops the pressure tactics and ensures your statements are not twisted against you. An attorney also knows how to document damages and negotiate from strength.
Talk to Someone on Your Side
Before you give a statement or accept an offer, a free case review can help you understand your rights and avoid costly mistakes.
Injured in Idaho? Get a Free Case Review.
Connect with an experienced Idaho personal injury attorney. No fees unless you win. Call 973-566-5599 or use the form.