What to expect when the insurance adjuster calls
Who's calling, what they usually ask, and what to think through before you agree to anything.
After a crash, you'll likely hear from your own insurance company and possibly the other driver's. Here's what those calls usually involve, so nothing catches you off guard.
Who's calling
- Your insurer. Your policy probably requires you to report the crash promptly and cooperate with their investigation.
- The other driver's insurer. Their adjuster works for their company and their customer. You generally don't owe them a statement the way you might owe your own insurer cooperation.
Before and during the call
- It's okay to ask them to call backYou can take their name, company, phone number and claim number and call back when you're ready.
- Stick to facts you knowGive the basics: date, place, vehicles. Avoid guessing about speed, distances or fault. "I don't know" is a fine answer.
- Be careful describing injuriesSaying "I'm fine" on day one can come up later if pain shows up after. It's okay to say you're still being evaluated.
- Ask before a recorded statementAdjusters, especially from the other driver's company, may ask to record the call. You can ask why it's needed and whether it's required. Many people talk to an attorney first.
- Keep a call logWrite down the date, who you spoke with and what was said after every call. Ask for anything important in writing.
- Don't rush to signRead any release, medical authorization or settlement offer carefully. A signed release can end your claim. If you're unsure, a licensed attorney can explain what you'd be giving up.
Common questions
Do I have to give the other driver's insurance a recorded statement?
It's often not required, but rules depend on your situation and policy. Many people talk to a licensed attorney before giving a recorded statement to the other driver's insurer.
Should I accept the first settlement offer?
That decision depends on your situation. Before signing anything, make sure you understand your medical costs and what the release covers. A licensed Texas attorney can review an offer with you.
Want to talk it through?
We're a free referral service, not a law firm. We'll listen, answer general questions, and if you want, connect you with an attorney who can review your situation. No outcome is promised.