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Insurance Tactics

The adjuster is already calling me. What do I say?

Accidents Suck. Lawyer Up.

Nothing — send them to me. Recorded statements are used to shrink your claim. Once you hire Suerken Law, every call goes through your lawyer.

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Why they called so fast

Insurers contact injured people early on purpose. The best moment for them is the moment you know the least: before you have a diagnosis, before you know whether you will need surgery, before you know whether you can go back to work, and before you have talked to a lawyer.

Everything you say in that window gets written into a file that will be used to value — and to argue down — your claim.

The script, and what each question is really for

"How are you feeling today?" Reflex says "I'm okay." That sentence is now in the file, and it will be produced later when you describe a serious injury. There is no good version of answering this question.

"Can I get a quick recorded statement?" You are not required to give one to the other driver's insurer. Ever. "Quick" is doing a lot of work in that sentence.

"Just sign this medical authorization." These are often written broadly enough to open your entire medical history, not the treatment for this crash. That is how a decade-old back complaint becomes their argument that your injury is pre-existing.

"We can get you a check today." An early offer arrives before anyone knows what your treatment will cost. Accepting it closes the claim permanently — including for the surgery nobody has recommended yet.

"Do you really need a lawyer for this?" They are not asking out of concern for your wallet.

What you can safely say

You do not have to be hostile, and you do not have to explain yourself. Confirm you were involved, give them an address for correspondence, and end it:

"I'm not giving a recorded statement and I'm not signing anything right now. My attorney will be in touch."

Then stop. You are not obligated to fill the silence, and adjusters are trained to let a pause do the work.

Your own insurer is a separate question

If the call is from your carrier about a UM/UIM or PIP claim, a flat refusal to cooperate can put your own coverage at risk. That does not mean answering whatever is asked on the spot — it means a statement that is scheduled, limited to the collision, and taken with your lawyer present. Reasonable conditions, not refusal.

After you hire a lawyer, this stops

Once you are represented and the insurer has notice, their contact goes to the firm. The calls to you stop. For most clients that relief is immediate and is the main thing they notice in the first week.

What to do

Your next steps

On this call

Decline and end it

\u201cNo recorded statement, nothing signed, my attorney will be in touch.\u201d Then stop talking.

Do not

Sign a medical authorization

Broad releases open your whole history, not just this crash. That is where pre-existing-condition arguments come from.

Do not

Take the fast check

It arrives before anyone knows what your treatment costs, and signing closes the claim for good.

Then

Hand the file over

Once we send notice of representation, they contact the office instead of you.

Keep reading

Related questions

Practice Areas

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