What to Say During Your First Conversation with an Insurance Adjuster


What Insurance Adjusters Do

Insurance adjusters are employed by insurance companies or independent firms. Their primary role is to gather as much information as possible about accidents, incidents, etc. that result in insurance claims. It is their job to settle claims, compensation amounts, and matters of fault. Their goals is to settle claims with as little of their company’s money as possible, which means that an insurance adjuster representing another party involved in your accident has a vested interest in awarding you as little money as possible.

How to Talk to Insurance Adjusters

If you’ve been in an accident of any kind and any involved party has been injured or suffered damages, an insurance adjuster will jump into the mix shortly after the fact. Regardless of the circumstances of your accident or who was at fault, there are a few do’s and don’ts you should keep in mind:

  1. Be as kind and civil as possible. No matter what your role was in the incident in question, you will likely experience stress, irritation, and confusion, but it is important to be cautious and cool-headed when speaking with an insurance adjuster. If you are speaking with another person’s insurance provider, their questions may be geared to make it sound as though you were at fault for the accident. However, even if you feel the insurance adjuster is not asking fair questions, you must stay calm and firmly state the facts. Venting your frustration on the insurance adjuster won’t get you very far in winning the compensation you need to cover damages.
  2. Avoid giving thorough details of the accident to another party’s insurance adjuster. You are likely under contractual obligation to provide your own insurance company with all the important details regarding your accident, but you are not obligated to do so for an insurance adjuster from another company, especially since their goal is to offset cost and blame as much as possible. Be polite but remain vague, even when they continue to probe and try to get you to give specific details about the accident.
  3. When it comes to witnesses, don’t commit. If an insurance adjuster asks you about potential witnesses, avoid telling them that there are or are not witnesses. Give yourself some wiggle room by responding that there may be witnesses and assure them that you will report them to the insurance company if and when necessary.

Talk to a Personal Injury Lawyer in Kansas City Today

As experienced personal injury attorneys, we are familiar with the ins and outs of insurance claims, settlements, and conflicts. We are most able to serve you if you contact us (816) 888-7500 as soon as possible, before you get a call us at (816) 888-7500 from an insurance adjuster. Calling DiPasquale Moore right after your accident or injury can help you make sure you’re relying on wise legal counsel at every step of the way, and it could prove critical to the success of your case.

Get in touch with a member of our team by calling (816) 888-7500 or contact us (816) 888-7500 to schedule your free consultation today.


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