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10 Important Tips For Speaking To An Insurance Adjuster

Updated on: 10/13/2021

If you do not already have an attorney giving you this important information, follow these tips. If you have an experienced attorney representing you, they will explain the do's and don't's to you. It is highly recommended to consult with a car accident attorney before deciding to handle your case on your own. Most people do not understand the unfair tactics that insurance adjusters use.

Get the basic information. Before you get started with the interview, write down the name, address, and phone number of the insurance adjuster and insurance company after a car accident.

Give the basic information: Provide your full name, address, and telephone number to the adjuster.

If possible, record the conversation: If you can’t record it, take detailed notes. If you will be recording the conversation, Washington State law states that you must get the other person’s consent.

Find out about witnesses: Ask the adjuster if he is aware of any witnesses to the accident.  

Tell the truth. It is imperative that you are truthful at all times during the interview. Lying or exaggerating can harm the claim.

Think before you answer: Make sure to take time before you answer a question. This will give you a chance to determine if you're being led to say something you don't mean to say. Remember: you are not being timed, so proceed slowly and thoughtfully as you answer each question. There's an old saying, "The only difference between a Harvard and a Yale man is that a Harvard man says 'so' instead of 'um.'" 

It is okay to answer, “I don’t know” or “I don’t understand.” Never, ever guess or speculate. Never answer a question you don’t understand.

Be cordial: Treating someone with respect doesn't mean you sacrifice your own rights. Be firm and assertive.

Never give more answer than you have to: Respond to. Try to avoid rambling when answering questions. Often, “yes” or “no” is all you need to say.

Seattle personal injury attorney Chris Davis has the legal information that you are looking for. After nearly 20 years of experience of dealing with insurance adjusters, he is extremely knowledgeable on the games that they play, in order to lower settlements. Call (206) 727-4000 for a free consultation.

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