What to Say (and What to Avoid) When an Insurance Adjuster Calls After Your Accident in New Jersey

Experiencing an accident is often a stressful and overwhelming event, especially when it was caused by someone else’s negligence. As you navigate the aftermath, one of the most daunting tasks can be dealing with the insurance company. Shortly after the accident, you may receive a call from an insurance adjuster, and what you say—or don’t say—during that conversation can significantly impact your claim.

At Garber Law, we understand how critical these early interactions are. Our goal is to provide you with the knowledge and support you need to protect your rights and secure fair compensation. Below, we offer guidance on what to say and, just as importantly, what not to say when an insurance adjuster contacts you after your accident in New Jersey.

Understanding the Role of the Insurance Adjuster

An insurance adjuster is a representative of the insurance company responsible for investigating claims, determining the extent of the insurer’s liability, and negotiating settlements. While they may seem friendly and helpful, it’s essential to remember that their primary goal is to minimize the amount paid out by the insurance company.

This is why being cautious about what you say during your conversation is so important. The insurance adjuster may ask seemingly innocent questions that could later be used to devalue or deny your claim.

What to Say When the Insurance Adjuster Calls

Experiencing an accident is overwhelming, and when the insurance adjuster calls, it’s important to stay calm and protect your claim. Here’s how to handle the conversation:

Limit Your Discussion to Basic Information

When you speak with the adjuster, limit your conversation to basic facts. Provide your name, contact details, and the date and location of the accident. Avoid discussing the specifics of the incident or your injuries at this time, as these can be used against you later.

Refer to the Police Report

If the adjuster asks about how the accident happened, direct them to the police report. This neutral document provides an official record of the incident, which minimizes the risk of making statements that could harm your case.

Mention Medical Treatment, But Withhold Details

Inform the adjuster that you are receiving medical treatment, but don’t share detailed information about your injuries. Since the full extent of your injuries may not be known early on, it’s best to avoid making any statements that could later contradict your medical records or treatment plan.

Request All Further Communication in Writing

For your protection, ask that all future correspondence be conducted in writing. This creates a clear, documented record of your conversations, ensuring that there is no confusion or misunderstanding down the line.

Politely Decline Recorded Statements

If the adjuster requests a recorded statement, politely decline. Recorded statements can be used against you in the claims process. It’s always wise to consult with a personal injury attorney before agreeing to any such requests.

What Not to Say to the Insurance Adjuster

Knowing what not to say is just as important as knowing what to say. Here are common mistakes to avoid when speaking with an insurance adjuster after an accident:

Avoid Admitting Fault or Speculating

Never admit fault or speculate about the cause of the accident. New Jersey follows a modified comparative negligence law, meaning your compensation can be reduced if you are found even partially at fault. Stick to the facts, and if you don’t know something, it’s better to say, “I’m not sure.”

Don’t Minimize Your Injuries

It’s natural to want to appear optimistic, but avoid making statements like “I’m fine” or “It’s not that serious.” Insurance companies often use such comments to downplay the severity of your injuries and offer lower settlements. Let the facts of your medical treatment speak for themselves.

Refrain from Discussing Settlement Offers Too Early

While it may be tempting to resolve the claim quickly, don’t discuss or agree to any settlement offers without consulting a personal injury lawyer. Early offers are typically lower than what you may be entitled to, and they may not cover long-term medical expenses or lost wages.

Avoid Sharing Detailed Medical Information

The insurance adjuster may request access to your medical records or ask for detailed information about your condition. It’s crucial to avoid providing such details until you’ve consulted with an attorney. Sharing too much information can give the insurance company grounds to challenge your claim or minimize its value.

Why You Should Consult with an Attorney Before Speaking to an Insurance Adjuster

The aftermath of an accident can be confusing and stressful, and dealing with insurance companies can complicate matters further. What you say to an adjuster, even unintentionally, can negatively affect your ability to receive fair compensation. That’s why having an experienced personal injury attorney from Garber Law on your side is crucial. We understand the tactics insurance companies often use to reduce or deny claims and are here to help protect your rights. By consulting with us before speaking to the insurance adjuster, you ensure that your interests are represented and that you avoid potential pitfalls in your claim.

Need Help After an Accident? Call Garber Law for a Free Consultation Today

At Garber Law, we know how overwhelming life can feel after an accident. Whether you’re recovering from a car accident, a slip and fall, or any other incident caused by someone else’s negligence, our dedicated team is here to guide you. We represent clients throughout New Jersey—from Cherry Hill to Atlantic City, Camden, Trenton, and beyond—tailoring our legal strategy to your unique circumstances.

Don’t let mounting medical bills and lost wages add to your stress. Contact us today for a free consultation. We’ll evaluate your case, answer your questions, and help you take the first step toward financial recovery. You focus on healing; let us handle the legal challenges.
Disclaimer: The information provided is not legal advice and does not establish an attorney-client relationship.