An insurance adjuster works for the insurance company, not for you. Their objective is to close your claim quickly and cheaply. Common tactics include requesting a recorded statement, pushing a fast lowball offer, and asking for a broad medical authorization.
The Adjuster's Real Goal
Early offers often arrive before you know the full extent of your injuries — and once you sign a release, the claim is over.
What to Avoid Saying
Do not speculate about fault, minimize your injuries with phrases like 'I'm fine,' or guess about details you are unsure of. Stick to basic facts and decline to give a recorded statement to the other driver's insurer until you have advice.
You are not required to grant unlimited access to your entire medical history; insurers use old records to argue your injuries were pre-existing.
Leveling the Field
Having an attorney handle communications removes the pressure and stops the tactics. A free review can help you understand a fair value before you respond to any offer.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Texas attorney.