After an accident, you'll almost certainly hear from an insurance adjuster — either from your own insurance company or the at-fault party's insurer. They'll seem friendly, concerned, and helpful. Don't be fooled. Their job is to minimize the company's payout, and everything you say is being evaluated for that purpose.
Never Say: "I'm Fine" or "I Feel Okay"
This is the most common mistake. Adrenaline masks pain after an accident, and many serious injuries — including traumatic brain injuries, herniated discs, and internal bleeding — don't show symptoms for hours or days. If you tell the adjuster you're fine, that statement will be used to argue your injuries aren't serious. Instead say: "I'm still being evaluated by my doctor."
Never Say: "It Was My Fault" or "I'm Sorry"
Admitting fault — even partially — can devastate your claim. In comparative fault states, your compensation is reduced by your percentage of fault. Even saying "I'm sorry" can be interpreted as an admission. Instead say: "I'd prefer not to discuss fault until the investigation is complete."
Never Say: "I Think..." or "I Guess..."
Speculation has no place in a claim. If you're not sure about details — speed, distance, timing — don't guess. Inconsistencies between your statement and the evidence will be used against you. Instead say: "I don't recall the exact details" or "I'll need to review the police report."
Never Agree to a Recorded Statement
The adjuster may casually ask to "get your version of events on record." This recorded statement becomes a permanent part of your claim file and can be used to find inconsistencies or admissions. You are under no legal obligation to provide one. Instead say: "I'll need to speak with my attorney before providing any recorded statements."
Never Accept the First Settlement Offer
First offers are designed to be tempting — especially when you're stressed about medical bills. But they rarely reflect the true value of your claim. Once you accept, you sign a release giving up all future claims. Instead say: "I'll need time to understand the full extent of my injuries before discussing settlement."
Never Discuss Pre-Existing Conditions
If asked about your medical history, don't volunteer information about prior injuries or conditions. Under the "eggshell plaintiff" doctrine, a defendant is liable for all injuries — including aggravation of pre-existing conditions. Let your attorney handle medical history discussions strategically.
Never Post on Social Media About Your Claim
While this isn't something you'd say to an adjuster directly, be aware that insurance companies actively monitor social media. A photo of you at a birthday party can be used to argue you're not really injured. Keep your accounts private and avoid posting about your activities, injuries, or case.
The Golden Rule
When in doubt, say nothing. Politely refer the adjuster to your attorney. At Bond Legal, we handle all insurance company communications on your behalf — so nothing you say can be used against you. Call (866) 423-7724 for a free consultation.
