Do I Have to Speak to the Insurance Adjuster After a Car Accident?

Oct 29, 2019 Car Accidents    Legal Blog    Ohio Personal Injury

Posted by: Kisling, Nestico & Redick, LLC

A car accident can be an overwhelming experience, especially if it was not your fault. After the crash, you may not know how to act in order to protect yourself legally. One of the questions you may have is, “do I have to speak to insurance adjusters?”

If you’ve been hurt in a car accident that was caused by another party’s negligence, reach out to our experienced Ohio car accident lawyers at Kisling, Nestico & Redick. You can count on us to help you establish liability, deal with the insurance company, and hold the responsible party accountable.

Call us at 1-800-HURT-NOW today to set up a free, no-risk consultation.

What Do Insurance Adjusters Do?

Once the other party’s insurance adjuster finds out that their policyholder was involved in a crash, their goal is to pay the injured party as little as possible. After all, they work for an insurance company, which is on a mission to maximize profits, just like other businesses.

They may call you and act very nice in an attempt to get you to share details about the accident from your perspective, so they can extract information, reduce your claim, and eventually convince you to accept a low ball offer. When this happens, you should know that they are not on your side and do not have your best interests in mind.

You Are Not Required to Speak to Insurance Adjusters

Contrary to popular belief, you have no legal obligation to speak to the other party’s insurance adjuster after an accident. Doing so can actually hurt your case and may put you in a situation where you do not get compensated fully and fairly for your medical bills, lost wages, pain and suffering, and other damages. While it may be tempting to spill the beans and tell them everything that happened, you should avoid doing so.

The adjuster will likely call you shortly after the accident occurred and ask you about the nature and extent of your injuries. Since some injuries take days or even weeks to become apparent, you may be giving them false information and risk getting a low ball offer.

So, what should you do when the insurance adjuster calls? Politely decline their request to provide a statement about the accident and your injuries. Then, contact your own insurance company to notify them of what happened and reach out to a skilled car accident lawyer. Remember, the insurance adjuster is not working for you, they are there to defend their policyholder and save their company as much money as possible.

Why Consult a Car Accident Lawyer

A car accident lawyer can take the time to get to know the specific circumstances of your case and how it affected you. He can also help you collect valuable evidence and prove liability so that the other party’s insurer does not hold you responsible for an accident you did not cause.

In addition, a lawyer can speak to the other party’s insurance adjuster on your behalf and negotiate a fair and full offer. Allow the legal professional to take care of the legalities of your case while you focus on recovering.

Contact Kisling, Nestico & Redick

Injured in a car accident? Don’t hesitate to consult our Ohio car accident lawyers at Kisling, Nestico & Redick. We can ensure the liable party’s insurance company does not take advantage of your rights. Call us at 1-800-HURT-NOW today.

We offer free, initial consultations, and there are no up-front costs. We are only paid when you recover compensation.

Skip to content