An insurance adjuster just called after your Houston crash. Take a breath. You can confirm the basic facts, but you don’t have to give the other driver’s insurer a recorded statement, and you sure shouldn’t grab a fast settlement before you know how hurt you really are.
Why the adjuster is calling
Here’s the thing: the adjuster works for the insurance company, not for you. Their job is to close your claim for as little as they can. Those friendly questions early on? They’re fishing for something they can use to shrink your payout later.
What you can and can’t be required to do
You do have to report the wreck to your own insurer. That’s in your policy. But you generally don’t owe the other driver’s insurer a recorded statement. Our guide on dealing with insurance adjusters walks you through how to handle them.
Before you accept anything
Don’t take the first offer until you know the full picture and understand the damages you can recover. And don’t forget the two-year filing deadline — miss it and your claim is gone.
Frequently asked questions
Do I have to give a recorded statement?
Not to the other driver’s insurer, no. Give one early, before you know how bad your injuries are, and you can wreck your own claim.
Should I accept the adjuster’s first offer?
Almost never right away. First offers come in low, and once you sign the release, you’re done.
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