How to Deal with Insurance Adjusters After an Injury
After an accident, you’ll likely be contacted by an insurance adjuster. While they may seem friendly and helpful, it’s important to remember that their primary goal is to minimize the amount their company pays out. At Pathway Legal Group, we’ve seen firsthand how insurance companies operate. Here’s how you can protect yourself and your claim when dealing with insurance adjusters.
Understand the Adjuster's Role Insurance adjusters are trained negotiators who work to protect their company's bottom line. Their objectives are to:
Gather information that could limit or deny your claim
Settle the claim as quickly and cheaply as possible
Discourage you from hiring an attorney
Knowing this can help you approach conversations with caution.
Tips for Dealing with Insurance Adjusters
Be Polite, But Cautious Always be respectful, but remember that you are not obligated to provide detailed information. Keep conversations brief and factual.
Do Not Provide a Recorded Statement Adjusters often request recorded statements. Politely decline until you have consulted an attorney. Statements can be used against you later to challenge your credibility or twist your words.
Limit the Information You Share Only provide basic facts about the accident (date, time, location) and avoid discussing:
Your injuries in detail
Fault or blame
Personal information about your medical history
Don’t Accept the First Settlement Offer Early offers are usually much lower than what you are entitled to receive. Never accept an offer without understanding the full extent of your injuries, damages, and future medical needs.
Refer the Adjuster to Your Attorney Once you hire an attorney, you can direct all communications to them. This protects you from making inadvertent mistakes and allows a professional negotiator to handle your claim.
Take Notes Document all conversations with adjusters, including dates, times, names, and a summary of what was discussed. This helps if there are disputes later.
Common Tactics Used by Insurance Adjusters
Downplaying the seriousness of your injuries
Blaming you for the accident
Requesting unnecessary authorizations for complete medical records
Pressuring you to settle quickly
Recognizing these tactics can help you avoid falling into common traps.
How Pathway Legal Group Can Help At Pathway Legal Group, we spent nearly a decade defending insurance companies. We know the playbook they use to minimize payouts — and we now use that insider knowledge to fight for injury victims across all counties in Indiana.
When you work with us, you’ll have a dedicated advocate who will protect your rights, handle all interactions with insurance companies, and fight to maximize your compensation.
If you’ve been contacted by an insurance adjuster after an injury, don't go it alone. Call Pathway Legal Group today at (317) 588-7400 for a free consultation. Let us help you navigate the path to recovery with the experience and strategic advantage you deserve.
