Talking to the Insurance Adjuster: What to Say and What Not to Say

Within a day or two of a crash, you'll often get a call from the other driver's insurance company. The person is friendly, sympathetic, and seems to just want to wrap things up. It's worth understanding what that call is really for before you say much.

Do I have to talk to the other driver's insurance company?

Generally, no. You are required to cooperate with your own insurer under your policy. You are not obligated to give a statement to the at-fault party's insurance company, and you are not required to do it on their timeline. It is usually fine, and often wise, to say you'll follow up later — especially before you know the full extent of your injuries.

Should I give a recorded statement?

Be cautious. A recorded statement, taken early when you're rattled and don't yet know how hurt you are, can be used later to minimize your claim. Common traps: being asked "how are you feeling?" and answering "I'm okay" out of politeness, or guessing at facts you're unsure of. You generally are not required to give a recorded statement to the other side, and many people choose to speak with an attorney before agreeing to one.

If I do talk to them, what's safe to say?

•     The basic facts: the date, the location, the vehicles involved.

•     That you are still being treated and don't yet know the full extent of your injuries.

•     That you'll provide further information in writing when appropriate.

What should I avoid?

•     Don't speculate or guess. "I think I was going about..." or "it might have been my fault" can be locked in even if you're wrong.

•     Don't downplay your injuries or say you feel fine — symptoms can still be developing.

•     Don't accept a quick settlement before you know your full medical picture. Once you settle, you generally can't reopen the claim if your injury turns out to be worse than it looked.

•     Don't sign a blanket medical authorization that lets the insurer pull your entire medical history. That's often broader than the claim requires.

Why are they calling so fast?

Settling quickly and cheaply, before injuries fully surface and before you've talked to anyone, is generally good for the insurer's bottom line. That doesn't make the adjuster a villain — it's their job. It just means the early, friendly call is not neutral, and there's rarely any downside to slowing it down.

Talk it through with someone local. If you have questions about your own situation, the attorneys at Joyce, Carmody & Moran can review what happened and explain your options — no cost for the first conversation, and no obligation. We are based in Pittston and handle injury matters throughout Luzerne County.