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How to Speak With a Claims Adjuster

How to Speak With a Claims Adjuster

Understanding the Claims Adjustment Process

The role of a claims adjuster is to investigate car accident claims to assess the extent of damages and who is responsible. When it comes to speaking with an insurance claims adjuster, what you say can have an impact on your claim. Here’s how to protect yourself.

When Will You Have to Speak to a Claims Adjuster?

After filing a car accident claim, you may get a phone call from the other party’s insurance company. It’s critical to understand that you are not obligated to speak to the other party’s insurance company adjuster. Their objective is to find ways to point fault of the accident to you so they can avoid paying out compensation for your injuries — even if the other party is entirely at fault.

Before deciding to speak to the other party’s adjuster, first consider hiring a car accident lawyer who is experienced in handling these types of claims. Sharing information about your claim with the other party’s insurance adjuster could prevent you from collecting any damages.

Pro tip! When receiving a call from an insurance adjuster, be sure to ask them their name and the insurance company they represent before answering any questions. You may think you are speaking to your own insurance company when, in fact, it could be the other party’s claims adjuster.

How to Speak to Your Own Insurance Company

When speaking to the insurance adjuster from your own insurance company, the only information you need to tell them is the following:

  • Your full name
  • Your address
  • Your phone number
  • Your place of employment and position

You do not have to give details about your occupation, such as job responsibilities or salary information. For example, if your job requires you to lift heavy objects, they could say that you sustained a back injury from your job and not the car accident.

You can also provide them with the following:

  • When and where the accident occurred
  • The vehicles that were involved
  • Names of any witnesses to the accident
  • The type of accident (rear-end collision, head-on collision, etc.)

By answering any other questions, you may be putting your claim at risk. If you feel pressured or harassed to give any further details, contact a car accident attorney for help. Having an experienced lawyer on your side can make all the difference in the outcome of your case.

Injured in a Car Accident? Contact Us Today

With over 60 years of combined experience, Roman & Gaynor has helped countless individuals across Florida recover the money they need for hospitalization, medication, and rehabilitation. We’re here to help you through the legal process so you can focus on healing from your injuries.

Contact us today at (727) 877-1212 to schedule a free consultation with our team.

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