What to Expect When Speaking with Insurance Adjusters

If you have been injured in a car accident, you will likely have to speak with the other party’s insurance. When speaking with insurance adjusters, a lot can go wrong. As a result, it is important to go into the conversation fully prepared. Read on to learn some of the tricks insurance adjusters typically use.

What to Expect When Speaking with Insurance Adjusters:

They Will Lowball You

Often, the first offer from an insurance company is extremely low, even if it does not seem that way. They know that individuals who have been involved in car accidents are vulnerable and struggling to pay off medical bills. Their hopes are that you will accept the first offer in order to cover your expenses right away. This can do more harm than good as the low offer will likely not cover all of your expenses in the long run. It is usually best to never accept the first offer.

They Might Ignore You

If you do not accept their first offer, the insurance company may simply ignore you. This is done in the hopes that the statute of limitations will pass and you will no longer be able to sue. In California, the statute of limitations for a personal injury claim is generally two years from the date of the accident. If an insurance company ignores you, it is important that you do not wait to hear from them, as the statute of limitations may pass.

They May Downplay/Deny Your Injuries

Unfortunately, insurance adjusters have been known to downplay or even deny injuries. They may accuse you of lying about your injuries so that they can avoid covering your medical expenses. This is why it is so important to keep records of your doctor visits, medical bills, and follow-up appointments.

They Will Likely Twist Your Words

It is important that you do not answer any questions without an attorney. Insurance adjusters are known to ask loaded questions and twist your words to use against you.

You Do Not Have to Use Their Autobody Shop

If an insurance adjuster suggests a certain autobody shop, you are not legally obligated to go. Often, insurance companies and autobody shops have arrangements. The shop may give you the lowest possible estimate to fix your car. Instead, you should go to a trusted and reputable autobody shop near you.

Never Sign Anything Without an Attorney

It is important that you do not sign anything without having an attorney review it first.

If you have been injured due to another party’s negligence, you will need a dedicated attorney to fight for you. Contact our firm today.


When someone is wrongly injured in an accident, they often require financial compensation to heal. That’s where we come in. Contact the Law Offices of Brian J. O’Grady today to learn more about what our firm can do for you.