Insurance adjusters sound friendly on the phone. They express concern about your injuries. They promise quick resolution if you just cooperate.
Don’t be fooled.
Adjusters work for insurance companies, not for you. Their job is to pay you as little as possible. Every word you say becomes part of their strategy to minimize your claim.
Understanding what not to say after an accident can mean the difference between fair compensation and a denied claim.
The First Call Comes Fast
Expect a call from the other driver’s insurance company within hours or days of your accident. They’ll ask how you’re doing, what happened, and whether you need anything.
This early contact isn’t kindness. It’s strategy.
They want your statement before you talk to a lawyer. Before you understand the extent of your injuries. Before you realize what your claim is actually worth.
Never Say “I’m Fine”
Adjusters always ask how you’re feeling. It seems like polite conversation.
It’s not.
Many serious injuries don’t show symptoms immediately. Soft tissue damage, concussions, internal injuries, and psychological trauma can take days or weeks to manifest. Saying “I’m fine” or “I’m okay” gets recorded and used against you later.
When your medical bills pile up and you file a claim for serious injuries, the insurance company plays that recording. “But you said you were fine right after the accident.”
The right answer: “I’m still being evaluated by doctors” or “I’m receiving medical treatment.”
Don’t Apologize for Anything
Never say “I’m sorry” after an accident, even out of habit or politeness. In California, apologies can be interpreted as admissions of fault.
You might feel bad that an accident happened. You might naturally want to express sympathy. Resist that urge when talking to insurance adjusters.
Apologies weaken your claim even when you weren’t at fault. Adjusters twist expressions of sympathy into admissions of liability.
Refuse to Give a Recorded Statement
The adjuster will ask for a recorded statement “to process your claim faster.” This is a trap.
Recorded statements let adjusters ask leading questions designed to hurt your case. They’ll ask about prior injuries, gaps in medical treatment, or inconsistencies in your account. They’ll pressure you to estimate damage amounts before you know the full extent.
You’re not required to give a recorded statement to the other driver’s insurance company. Ever.
California law doesn’t require you to cooperate with the at-fault driver’s insurer beyond providing basic information. You must cooperate with your own insurance company under your policy terms, but even then, having an attorney present protects your interests.
The right response: “I’m not comfortable giving a recorded statement. Please communicate with me in writing.”
Don’t Discuss Your Injuries in Detail
Adjusters ask probing questions about your injuries. How much does it hurt? What specific symptoms do you have? Are you getting better?
These questions seem reasonable. They’re designed to lock you into statements that limit your claim later.
Injuries evolve. What seems minor today can become serious tomorrow. Describing your pain level or recovery timeline before treatment is complete boxes you into that early assessment.
The adjuster will say: “You told me three weeks ago you were feeling much better. Why are you still treating?”
Keep injury discussions vague until you’ve completed treatment and understand your full medical picture. “I’m under a doctor’s care” is sufficient.
Never Speculate About Fault
Adjusters ask what happened. It sounds innocent. They’re gathering ammunition.
Stick to basic facts. Don’t speculate about what the other driver might have been thinking. Don’t guess at speeds or distances. Don’t theorize about what caused the accident.
“I’m not sure” is a perfectly acceptable answer.
Adjusters use speculation against you. If you guess the other driver was going 40 mph and the police report says 30 mph, the inconsistency damages your credibility. If you speculate that you “might have” done something, that becomes evidence of fault.
State only what you’re certain about. Leave interpretation and investigation to professionals.
Don’t Downplay Property Damage
Some adjusters suggest minor vehicle damage means minor injuries. This is false.
Low-impact collisions cause serious injuries. Soft tissue damage, concussions, and spinal injuries happen in crashes that barely dent bumpers. Injury severity doesn’t correlate perfectly with property damage.
If an adjuster says “Your car doesn’t look too bad, so you’re probably fine,” don’t agree. Respond: “My injuries are being evaluated by medical professionals.”
Avoid Discussing Prior Injuries or Accidents
Adjusters dig into your medical history looking for pre-existing conditions. They want to argue your current injuries existed before the accident.
Don’t volunteer information about past injuries, treatments, or accidents. Answer only what’s specifically asked, and do so accurately but minimally.
You have nothing to hide if prior injuries are unrelated to current ones. But detailed discussions give adjusters ammunition to muddy the waters and reduce your claim value.
If you had shoulder surgery five years ago and now your back is injured, that’s irrelevant. Don’t let adjusters create connections that don’t exist.
Never Accept a Quick Settlement
Adjusters often make fast, low settlement offers. They frame it as helping you avoid hassle. “Let’s just take care of this now so you can move on.”
This is pressure to settle before you understand your damages.
Medical treatment takes time. Some injuries require months of therapy or multiple procedures. Accepting a settlement closes your claim forever. You can’t come back for more money when complications arise or treatment costs exceed the settlement.
Settlements should happen after you reach maximum medical improvement and know your total costs. Anything else shortchanges your recovery.
What You Should Say
Keep communications brief and factual. Provide only information required by law: your name, contact information, insurance details, and basic accident facts like date, time, and location.
Beyond that, politely decline detailed discussions. “I’m not prepared to discuss that right now” or “I need to review that with my attorney” are professional, appropriate responses.
You don’t owe adjusters explanations, detailed injury descriptions, or lengthy recorded statements.
When to Get Legal Help
If the accident caused significant injuries, disputed liability, or involves commercial vehicles, talk to an attorney before speaking with adjusters.
Attorneys handle insurance communications for you. Adjusters change their approach when lawyers are involved. Lowball offers stop. Bad faith tactics diminish. Your claim gets taken seriously.
Most personal injury attorneys offer free consultations and work on contingency. You risk nothing by getting legal advice before dealing with insurance companies.
The Adjuster Isn’t Your Friend
Remember this: adjusters represent insurance company profits, not your interests. Every friendly conversation, every “just checking in” call, every offer to “help” you serves their goal of minimizing payouts.
They’re trained professionals with scripts, strategies, and quotas. You’re dealing with a life-changing event while in pain and stressed. The playing field isn’t level.
Protect yourself by controlling what you say and when you say it.
Let Us Deal With Them
Cohen Injury Law Group handles insurance companies for injury victims throughout California. Once you hire us, adjusters stop calling you. They deal with us instead.
We know their tactics because we’ve seen them thousands of times. We know which questions to answer and which to refuse. We know when offers are fair and when they’re insultingly low.
You focus on recovery. We handle the insurance company.