If an insurance adjuster calls after your Houston crash, stay calm and cautious. You can confirm basic facts, but you are generally not required to give the other driver’s insurer a recorded statement, and you should not accept a quick settlement before you understand your injuries.
Why the adjuster is calling
The adjuster’s job is to resolve the claim for as little as possible. Friendly questions early on are often aimed at getting statements that limit what you can recover later.
What you can and can’t be required to do
You must report the accident to your own insurer per your policy. But you generally do not have to give the other driver’s insurer a recorded statement. Our guide on dealing with insurance adjusters covers this in detail.
Before you accept anything
Don’t accept the first offer before you know the full picture, and understand the damages you may be able to recover. Remember the two-year filing deadline.
Frequently asked questions
Do I have to give a recorded statement?
Generally not to the other driver’s insurer. Giving one early, before you understand your injuries, can hurt your claim.
Should I accept the adjuster’s first offer?
Usually not right away. First offers are often low and final once you sign a release.
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