The Adjuster’s Inquiry: Protecting Your Position

When the insurance adjuster called, protecting your claim begins now. Understanding what to communicate is vital. This piece explores The Insurance Adjuster Called: 3 Things You Must Never Say to the Insurance Company to help you protect your position. Clear, accurate information is always important after any incident.

Avoid Admitting Fault

When an adjuster reaches out, it is important to remember their role. Their job is to gather information about what happened. A common mistake is to admit fault or take blame for an incident. Even if you feel responsible, stating this directly can harm your claim.

1. Why it matters: Admitting fault can be used by the insurance company to deny your claim or reduce the payout. The legal determination of fault often involves many details.
2. What to do instead: Stick to the facts. Describe what you observed, not who was to blame. For example, if you were involved in a car incident, simply state where it happened and what parts of the vehicles were impacted. The specifics of how and why should be left for investigators to determine.

Refrain from Estimating Injuries or Damages

The immediate aftermath of an event can be confusing. You might feel fine right after a fall, or a small scratch on your car might seem minor. However, injuries can appear or worsen over time. Similarly, seemingly minor damage can hide larger, more costly issues. Estimating these things can lead to problems later.

1. Why it matters: If you tell an adjuster that your injuries are minor, and then a week later you need significant medical care, your initial statement could be used against you. The same applies to property damage.
2. What to do instead: Be honest about what you know right now. If asked about injuries, say you are seeking medical attention or that you are still assessing your condition. For property damage, mention that a full professional assessment is pending. For instance, after a tree fell on a roof, a homeowner might initially say, “It just looks like a few shingles are off.” However, a professional inspection could reveal structural damage underneath that statement did not cover. This is why a full inspection is critical before discussing specific damage totals.

Do Not Give a Recorded Statement Without Preparation

An insurance adjuster may request a recorded statement. This is a common practice, but it requires careful thought. A recorded statement becomes a permanent record of your account. Any inconsistencies or misspoken words could be used to question your credibility or the validity of your claim.

1. Why it matters: Once a statement is recorded, it is difficult to change or clarify. Rushed or unprepared statements can contain errors or omissions that unintentionally weaken your position.
2. What to do instead: You are generally not required to give a recorded statement immediately. It is wise to consult with a legal professional before providing one. They can guide you on what information is necessary and how best to present it. If you choose to give a statement, take time to calmly recall the events and organize your thoughts beforehand. Speak clearly and only answer the questions asked. Avoid guessing or providing too much unsolicited information.