Hurt Advice: Insurance Adjusters—What They Really Want From You

TL;DR (Too Long; Didn't Read)

Insurance adjusters work for the insurance company—not for you. Their job is to minimize what the company pays out. This guide explains their tactics, what they want from you, and how to protect your claim while staying honest and cooperative.

Introduction

After an accident in California, you will likely hear from an insurance adjuster. This person may seem friendly and helpful, but their primary goal is to protect the insurance company's bottom line. Understanding this dynamic is crucial to protecting your interests.

This article provides general educational information about insurance adjusters and their tactics. It is not legal advice. For guidance specific to your situation, consider consulting with an attorney.

Key Takeaways

• ✓Adjusters work for the insurance company, not for injured parties
• ✓Recorded statements can be used to minimize your claim
• ✓Early settlement offers are often lower than what claims may be worth
• ✓You have the right to decline recorded statements without an attorney
• ✓Documentation strengthens your position

Who Are Insurance Adjusters?

Insurance adjusters are professionals hired by insurance companies to investigate claims, assess damages, and determine settlement amounts. They are trained negotiators who handle dozens of claims at any given time.

While adjusters can be pleasant and professional, remember that their performance is often measured by how much they save the company. This creates an inherent conflict of interest when dealing with your claim.

What Adjusters Typically Look For

Common Tactics to Be Aware Of

Insurance adjusters use various strategies to minimize payouts. Being aware of these tactics can help you navigate conversations more effectively.

• ✓Being overly friendly to build false trust
• ✓Asking leading questions designed to elicit damaging answers
• ✓Making quick, lowball settlement offers before injuries are fully diagnosed
• ✓Suggesting you don't need an attorney
• ✓Delaying responses to pressure you into accepting less
• ✓Requesting unnecessary documentation to create delays

Example Scenario 1: The Quick Settlement Call

Maria was rear-ended at a red light in San Diego. Three days later, an adjuster called offering $2,500 to "settle everything." Maria's neck was still sore, but she hadn't seen a doctor yet. She declined the offer and later discovered she had a herniated disc requiring months of treatment. Had she accepted, she would have been responsible for all those medical bills.

What You Should (and Shouldn't) Say

Example Scenario 2: The Recorded Statement Trap

James was asked to give a recorded statement after a truck accident in Los Angeles. The adjuster asked, "How are you feeling today?" James replied, "Pretty good, actually." This statement was later used to argue his injuries weren't serious—even though James meant he was having one good day among many painful ones. Always think carefully before answering seemingly simple questions.

Your Rights When Dealing with Adjusters

In California, you have certain rights when interacting with insurance adjusters:

• ✓You can decline to give a recorded statement
• ✓You can request communication in writing
• ✓You can limit medical authorization to accident-related treatment
• ✓You can take time to consider settlement offers
• ✓You can consult with an attorney before making decisions
• ✓You can request itemized explanations of settlement calculations

How to Protect Your Claim

• ✓Document everything—photos, medical records, expenses
• ✓Keep a journal of symptoms and how injuries affect daily life
• ✓Don't accept the first settlement offer without careful consideration
• ✓Get a full medical evaluation before discussing settlement
• ✓Be honest but careful with your words
• ✓Consider consulting with a personal injury attorney

Quick Checklist: Talking to Adjusters

• ✓☐ Take notes during every conversation
• ✓☐ Get the adjuster's name, company, and claim number
• ✓☐ Don't agree to recorded statements without preparation
• ✓☐ Avoid discussing fault or speculation
• ✓☐ Don't sign anything without understanding it
• ✓☐ Request written confirmation of all offers
• ✓☐ Take time to consider before responding

Frequently Asked Questions

Next Steps

If you've been in an accident and are dealing with insurance adjusters, consider these next steps:

• ✓Document your injuries and gather evidence (see our guide on /blog/what-to-do-after-accident-checklist)
• ✓Understand what your claim might include (/blog/what-compensation-can-include-after-accident)
• ✓Learn about the claims process in California (/blog/california-injury-claims-101)
• ✓Contact Hurt Advice for a free consultation (/contact)
• ✓Explore our homepage for more resources (/)

Disclaimer

This article is for general informational purposes only and is not legal advice. Every situation is different, and outcomes depend on specific facts and circumstances. If you have questions about your particular situation, please consult with a qualified attorney. Hurt Advice provides information and resources but does not guarantee any specific outcome for your claim.