5 Things to Never Say to an Insurance Adjuster After a Car Accident

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If you’ve been injured in a car accident and need to make a claim, the insurance company will speak to you through one of its insurance adjusters. But before dealing with an insurance adjuster, it is important to focus on gathering evidence and treating any injuries you may have.

Then when you’re ready to talk to the insurance adjuster, make sure you know what you’re going to say or, more importantly, what not to say.

If you or a loved one has been injured in a car accident, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our Denver personal injury lawyers.

What NOT to Say

  • It was my fault.

Avoid admitting any fault. Insurance adjusters will most likely be recording everything you say, and you may lose your claim before it even begins if you admit fault.

Insurance adjusters will try to use anything you say against you, and their strongest argument would be that you have admitted fault for the accident itself.

  • I’m not injured.

It is a good idea not to disclose any injuries to your insurance company at the outset, and it is an even better idea to never admit that you are okay or uninjured.

Symptoms of injuries may take time to manifest, and it is possible that they are not immediately apparent. Also, avoid signing medical release forms from the insurance company without first consulting with a personal injury attorney.

  • I just want this to be over.

It is well known that insurance adjusters offer low settlements hoping you’re so desperate for compensation that you’ll take any offer they throw at you.

You have a right to just compensation, so don’t be fooled by the initial offer. The first settlement offer is often the absolute minimum the insurance company would be willing to give you. You may need to do many rounds of counteroffers before coming to a fair settlement.

  • This is my official statement.

You should not give an official recorded statement to the insurance company unless you’ve been specifically advised by an experienced attorney. You do not legally have to provide such a recorded statement.

Remember, anything you say to the insurance adjuster can be used against you. Insurance adjusters are skilled at their jobs and will do whatever it takes to get you the lowest settlement offer. Anything you say may be misinterpreted or manipulated in an effort to achieve this goal.

  • I don’t have a lawyer.

Insurance companies will love talking to you if you don’t have a lawyer, although they’ll never admit it. By not having a lawyer, you are putting yourself on an uneven playing field and leaving yourself open to the tricks of the insurance adjuster.

An experienced personal injury attorney can offer you all the advice and guidance you need to navigate the insurance claims process and get you a fair settlement.


At Zinda Law Group, our Denver personal injury lawyers have helped thousands of victims get their lives back on track after suffering an injury. We have the knowledge and resources necessary to help you build the strongest claim possible and pursue maximum compensation for hospital bills, future medical costs, property damage, lost income, pain and suffering, and much more.

Our firm also believes an injury victim should never have to worry about being able to afford legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we achieve a favorable settlement, judgment, or verdict for your case. That’s our No Fee Guarantee.

If you have been injured in a car accident, call Zinda Law Group at (800) 863-5312 to receive your free consultation with one of our car accident lawyers in Denver.

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