• By: Graham Sutliff
  • Published: May 2022

If you’ve been in a car accident and filed a claim with your insurance company, you’ll likely be talking with an insurance claims adjuster very soon. The words you use when speaking with an insurance claims adjuster can significantly impact your case. The key to increasing your chances of earning your maximum payout is to know what not to say.

If you want to deal with the adjuster on your own, you must first understand what topics and phrases you should avoid to protect yourself and the value of your claim. However, worrying about what to say to your insurance adjuster can be challenging when dealing with all of the stress and pain that comes with an auto accident. It may be in your best interest to rely on the guidance of an experienced car accident lawyer to help you navigate the situation.

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What Insurance Adjusters May Be Able to Hold Against You After a Texas Car Accident

After an accident, you’ll need to contact an insurance adjuster. The adjuster will make notes on your conversation, highlighting details that may insinuate that your claim isn’t as high-value as it actually should be. Below are some pitfalls to watch out for when speaking with the insurance adjuster.

Do Not Apologize or Admit Fault

When speaking with the insurance adjuster, do not apologize or say anything that could be construed as your admitting fault. You may give the insurance adjuster the impression that you caused the accident and therefore should be held liable for any damages and injuries. This could lead to your insurance provider denying your claim.

Do Not Insinuate You Are Okay or Uninjured

While it may be standard to downplay your injuries in front of your friends and family, this is the last thing you want to do when talking to your insurance adjuster. You could be injured and not know it yet, or your injury could be more severe than you initially thought. Regardless, being injured will cost you a lot of money in medical treatment and care.

You want to make sure that whatever you say doesn’t devalue your insurance claim so you can have all of your medical expenses covered. Insinuating that you are okay or even implying that you may not have been injured in your accident may make it difficult for you to recover the money you need to pay off medical expenses that could arise because of the accident.

Do Not Speculate What Led to the Crash

After a car accident, it can take some time for you to wrap your head around what happened to you. The events leading up to the accident may seem like a blur or a jumble of memories. While trying to explain things to an insurance adjuster, you may get things wrong and present a story that you may realize is inaccurate after some time has passed.

Do Not Give Permission to Be Recorded

Often insurance adjusters will ask for your permission to record your interaction with them. You must deny them the opportunity to record for interaction. Anything you say to the insurance adjuster might be used against you later to lower the value of your claim or deny it. By allowing them to record you, you are giving them evidence they can work with to your disadvantage.

Schedule a Case Review With an Experienced Texas Car Accident Lawyer

Insurance companies are working diligently in their best interest. Dealing with them and attempting to ensure you receive fair compensation for your accident can be overwhelming. By working with an experienced Texas car accident lawyer, you may be able to relieve yourself from the stress of navigating communications with insurance adjusters.

To help ensure your insurance claim goes in your favor, get in touch with the highly skilled car accident lawyers at Sutliff & Stout. Our firm has spent years working with the victims of auto accidents, so we understand how tricky it can be to talk to insurance adjusters. We are a trustworthy team of legal professionals you can count on to guide you through communications with your insurance company to help you maximize your settlement. Reach out to our firm to schedule your complimentary case review at (713) 987-7111 or use our contact form.

About the Author

Graham Sutliff is a founding partner at Sutliff & Stout, Injury & Accident Law Firm. Among other awards and certifications, he is Board Certified in Personal Injury Trial Law and has been recognized by Thomson Reuters as a Super Lawyer for the past decade. In 2019 alone, Graham recovered hundreds of millions of dollars for his clients who were injured by others. To learn more about Graham, click here.

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