The Adjuster Called. Here’s What Not to Say.
Insurance adjusters are friendly, fast and trained to protect their company. Use this checklist before you call them back, and talk to a Georgia injury attorney free before you give any recorded statement.
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Interactive checklist
Before You Call the Adjuster Back
Check off each step. Tap “Why it matters” for the reason behind it.
Why it matters
You will need the claim number for every call, letter and bill. Keeping it in one place also helps your lawyer step in quickly.
Why it matters
If they work for the other driver’s insurer, their job is to pay their company as little as possible. You generally do not have to give that company a recorded statement.
Why it matters
Some injuries, like whiplash and concussions, show up hours or days later. A quick “I’m fine” can be used later to argue you were not hurt.
Why it matters
“I don’t know yet” is a complete answer. Guesses get written down and treated as facts.
Why it matters
Blanket authorizations can let an insurer dig through years of unrelated medical history to look for something to blame.
Why it matters
Date, time, who you spoke with and what they said. Written records beat memory if the story changes later.
Why it matters
Early offers often come before you know the full cost of your treatment. Once you sign a release, the claim is usually over.
Why it matters
A short free call can tell you what to share, what to hold back and whether to let us handle the insurer for you.
General information, not legal advice. Every case is different.
What they listen for
6 Things Adjusters Are Trained to Catch
None of these are tricks you need to fear. They are reasons to slow down and get advice before you talk.
The recorded statement
Your words are saved and can be replayed later, out of context.
“I’m fine”
Used to argue your injuries came from something else.
“I’m sorry”
Polite words can be framed as admitting fault.
Gaps in treatment
Missed appointments are used to say you healed quickly.
The fast offer
A quick check before you know your medical costs.
The broad release
A signature that opens your full medical history.
Free attorney help
Questions before you talk to the adjuster?
Our team can help you understand what to say, and what not to say, before you give any statement. Start with a free, confidential case review. No attorney fee unless we recover for you.
See an example
What a Recorded Statement Request Looks Like
Adjusters often follow a call with a letter like this one. The numbers show what to notice.
We are the insurance carrier for , the other driver involved in the above loss. To process the claim, we request your recorded statement at your earliest convenience.
Sample for illustration only. This is not a real document or a real client’s case. Personal details are blacked out to show what to look for.
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Empathy isn’t a slogan here. It’s how we build your case.
As the son of a doctor, Harrell learned early that an injury changes every part of your life. That’s why the attorneys here return your calls, read your medical records, and treat your case like it matters. Because it does.
Read the Forbes featureFAQ
Questions About the Adjuster
Do I have to give the other driver’s insurance company a recorded statement?
In Georgia you generally are not required to give the at-fault driver’s insurer a recorded statement. Your own policy may require you to cooperate with your own insurer, so check your policy and talk to an attorney before you agree to anything.
What should I say if the adjuster calls?
Keep it short. You can confirm your name and contact details, say you are still getting medical care, and ask them to put any request in writing. Avoid guessing about fault, your injuries or how you feel.
Should I accept the first settlement offer?
Early offers often come before you know the full cost of your treatment. Once you sign a release, the claim is usually over, so have the offer reviewed first.
Can a lawyer talk to the adjuster for me?
Yes. Once you hire an attorney, the insurance company is generally expected to communicate through your attorney instead of contacting you directly.
General information, not legal advice. Every case is different.
