Talking to the Insurance Adjuster After a Car Accident
Short answer: The adjuster is not your friend. Their job is to settle your claim for as little as possible. You don't have to give the other driver's insurer a recorded statement, and you should not sign anything they send until a lawyer has reviewed it.
After a Fort Worth crash, the other driver’s insurer may call within days. You don’t have to give them a recorded statement.
Do not sign anything before you talk to a lawyer
Do not sign a release, settlement or medical authorization from the insurance company until you've consulted a lawyer. A release usually ends your injury claim for good, even if injuries show up later.
Why the adjuster calls so fast
Adjusters often reach out within days, before you know how badly you're hurt. In our view, a quick offer is a sign the insurer wants to close the claim early. The money may feel good now, but it often won't cover the cost of managing pain and injuries that show up later.
Should I talk to the other driver's adjuster?
You can politely decline. You don't have to give a recorded statement to the other driver's insurer. If you do talk, stick to basic facts and don't guess about fault or your injuries.
What about my own insurance company?
Most policies require you to notify your own insurer promptly. Report the basic facts. Your own insurer handles your PIP or MedPay.
"You'll get less if you hire a lawyer"
Adjusters sometimes say this. The research behind it has serious limits. See where that claim comes from. Back to all insurance guides.
Want a lawyer to look at your case for free?
If you were hurt in a crash that wasn't your fault, in Fort Worth or anywhere else in Texas, you can ask for a free consultation. A participating personal injury law firm will reach out to you promptly. There's no cost to ask and no obligation.