Common Mistakes to Avoid When Talking to Insurance Adjusters After an Auto Accident

Dealing with insurance adjusters after an auto accident can be a tricky process. While they’re responsible for investigating claims and determining the payout, their primary goal is often to minimize the amount the insurance company has to pay. To protect your rights and ensure a fair settlement, it’s crucial to avoid common mistakes when communicating with insurance adjusters. Here’s what you need to know.

The Role of Insurance Adjusters

According to the San Diego car accident attorneys at Haffner & Morgan LLP, insurance companies are notorious for taking advantage of personal injury victims.  In fact, their entire business model is built on paying as little as possible in claims. Having a knowledgeable attorney on your side can help preserve your rights and ensure that you recover the compensation that you need to move forward.

Mistake #1: Admitting Fault

Avoid Speculation

One of the biggest mistakes you can make is admitting fault or speculating about the cause of the accident. Stick to the facts and avoid making statements that could be interpreted as accepting responsibility.

Facts Only

Describe the events of the accident accurately but avoid phrases like “I’m sorry,” “It was my fault,” or “I didn’t see the other car.” These statements can be used against you later.

Mistake #2: Providing Recorded Statements Too Soon

Delaying Until Prepared

Insurance adjusters might ask for a recorded statement soon after the accident. It’s advisable to delay providing any recorded statements until you are fully prepared or have consulted with an attorney.

Seeking Legal Advice

Consider seeking legal advice before giving any recorded statements. An attorney can guide you on what information to share and how to phrase your responses to prevent unintended admissions.

Mistake #3: Accepting the First Settlement Offer

Evaluating the Offer

The first settlement offer from an insurance adjuster is often lower than what you might be entitled to. Carefully evaluate any offers and consider the full extent of your damages before accepting.

Consulting with a Lawyer

Before accepting any settlement, consult with a personal injury lawyer. They can provide a realistic assessment of your claim’s value and negotiate a fair settlement on your behalf.

Mistake #4: Offering Excessive Personal Information

Keeping it Relevant

While it’s necessary to provide some personal information, avoid sharing excessive or irrelevant details about your life, medical history, or family. Stick to information directly related to the accident and your injuries.

Guarding Your Privacy

Be mindful of the adjuster’s questions and avoid answering questions that seem unnecessary or intrusive.

Mistake #5: Underestimating or Overestimating Injuries

Accurate Medical Documentation

Provide accurate information about your injuries but avoid downplaying or exaggerating them. Ensure all injuries are properly documented by a healthcare professional.

Seeing a Doctor

Always seek medical attention after an accident, even if you feel fine initially. Some injuries might not be immediately apparent but can worsen over time. Medical records serve as crucial evidence for your claim.

Mistake #6: Failing to Keep Detailed Records

Document Everything

Keep detailed records of all communications with the insurance adjuster, including dates, times, and summaries of conversations. This documentation can be invaluable if disputes arise later.

Retaining All Correspondence

Save all written correspondence, emails, and any other documents related to your claim. Having a complete medical record can help you track the progress of your claim and provide evidence if needed.

Mistake #7: Agreeing to Quick Settlements Without Full Evaluation

Full Assessment of Damages

Sometimes, adjusters offer quick settlements to close the case before the full extent of damages or medical costs are known. Avoid agreeing to any settlement before thoroughly evaluating all your damages, including future medical expenses, lost wages, and property damage.

Long-Term Considerations

Consider the long-term implications of your injuries and the potential need for ongoing medical treatment. Ensure the settlement covers these future costs adequately.

Mistake #8: Signing Documents Without Understanding Them

Legal Review

Do not sign any documents from the insurance adjuster without fully understanding them. Some documents might include clauses that waive your rights to further compensation.

Clarification and Consultation

If you’re unsure about any document, ask for clarification and consult with an attorney before signing. A lawyer can review the documents and ensure that your rights are protected.

Mistake #9: Sharing Information on Social Media

Social Media Privacy

Be cautious about posting details of the accident on social media. Insurance adjusters may scrutinize your social media profiles for information that could contradict your claim.

Adjusting Privacy Settings

Consider adjusting your privacy settings and avoid discussing the accident, your injuries, or your legal strategy online. Even seemingly harmless posts can be taken out of context and used against you.


Navigating interactions with insurance adjusters after an auto accident requires caution and preparation. By avoiding these common mistakes and consulting with a personal injury lawyer, you can protect your rights and increase the likelihood of a fair settlement. Always remember to be truthful, keep detailed records, and seek professional advice to ensure your best interests are represented.

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of


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