What Do I Do if an Insurance Adjuster Calls Me?

Rutter Mills Law Firm

What Do I Do if an Insurance Adjuster Calls Me?

Legal Info

If you get a phone call from an insurance adjuster after a collision or serious accident, be polite but heed these tips. Before answering their questions and queries, get the adjuster’s full name and position at the company. Write this information down and keep it with your medical records. Insurance companies have one purpose, and that is to mitigate their liability in accident claims. Even though you are not legally obligated to speak to a representative from another insurance carrier, they will still call you.

Set limits on your phone conversation

Be prepared for that phone call, and if you are uncomfortable, you can tell them that all communication will be made in the presence of your personal injury attorney. If you choose to answer their questions, only provide the most basic information: your legal name, your address, and the name of your legal counsel.

Refrain from volunteering information about the extent of your injuries, how the accident occurred, or other details that could be taken out of context or used against you at a later date. Make a note about the topics you discuss, and let adjusters know you will not be accepting any more calls.  In the absence of this directive, they may continue badgering you in an attempt to wear you down and settle the claim quickly.

Do not allow adjusters to record you

Claims adjusters will act friendly on the phone. On the surface, it may seem like they are trying to help out. They may even ask if they can record your conversation– on the pretext of achieving a faster settlement. Claims adjusters cannot legally record you without your permission, and it is advisable to decline this request. Recorded statements are admissible in a court of law, and you may unwittingly damage or undermine the credibility of your case with comments that are misconstrued or incomplete.

Be wary of quick settlement offers

What happens if the adjuster tries to negotiate a settlement on the phone? How do you know if their offer is fair? Without the guidance of a skilled personal injury lawyer, you don’t. If you are seriously hurt and get a quick offer, warning bells should go off. This likely indicates that they realize you have a strong case and can get a much higher settlement with your attorney.

The adjuster’s job is to pay out the bare minimum, but with the right representation, you can protect your rights and achieve a settlement or judgment that truly accounts for your losses. At Rutter Mills, we don’t negotiate quick settlements. Instead, we wait until we have a clear picture of your injuries and damages and then fight for full and fair reparations.

Contact us for a free consultation

If you were harmed in an accident, contact Rutter Mills for a free consultation with personal injury lawyers trusted by residents in Virginia Beach, Norfolk, Newport News, Suffolk, Chesapeake, and Portsmouth. You pay no fees upfront. We get paid when you do.

Contact a Rutter Mills attorney to speak about your case today.

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Dave suffered serious injuries in a car accident. The defendant’s insurance company tried to offer him a low amount so Dave called Rutter Mills. We took over dealing with the insurance and got Dave the money he needed to get back on his feet.

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On his way home from work at the shipyard, Dan was involved in an accident. He tried to file a claim on his own, but the insurance company wouldn’t give him the money he needed to put his life back on track. Dan knew he needed to call Rutter Mills.

They actually won my case 3 times!

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After her car accident, Larena asked her father, a local stevedore, for his advice on who to call. He recommended Rutter Mills. Her team of car accident experts at Rutter Mills fought back when the insurance companies tried to deny her the money she needed to recuperate from her injuries. We took her case to trial – and won. When the insurance company filed their appeals, we beat them again – two more times! Larena got the money she needed and the justice she deserved.

We’re going to immediately call Rutter Mills. That’s the people I trust with my baby girl.

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After a car accident, Jamaree’s first call was to her mom. She was shaken up and scared. Mom told her “We’re calling Rutter Mills. Her next was to Rutter Mills. Her Rutter Mills car accident team helped her get compensation “above & beyond” what she was expecting.

They lifted allot of stress off my shoulders. I recommend them to anybody because they WILL fight for you.

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After John was seriously injured in a motorcycle accident, he turned to the person he trusts most for a recommendation. His wife, a paralegal of 30 years, told him to call Rutter Mills on the advice of the lawyer she worked for.

They really care for you as a person. Words cannot describe what Rutter Mills did for me and for my case.

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When the insurance company tried to get Carol to sign paperwork after her car accident, she knew she needed a lawyer. Carol knew she needed Rutter Mills.

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Taryn was in a car accident while she was pregnant. She knew she needed someone in her corner to protect her rights and her family’s future.

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A devasting accident changed Levon’s life forever. The physical and emotional toll left him scared and in pain. When the insurance company for the defendant contacted the family, they made an offer that did not even cover the cost of the medication, much less doctors’ bills, and physical therapy. They knew they needed to talk to a serious lawyer. Rutter Mills took care of the negotiation so Levon could focus on healing.

When you’ve got a serious injury, you need a serious lawyer. That’s why we chose Rutter Mills.

Motorcycle Accidents Change Everything

When Ed was injured in a motorcycle crash, he knew he needed a serious lawyer to protect his rights. The insurance companies were fighting him every step of the way. Rutter Mills helped prove Ed’s case and get him the money he needed to get on the road to recovery.

With the seriousness of the accident, I knew that we needed a serious lawyer. I needed Rutter Mills.

Carol & Levon's Story

They knew they needed a serious lawyer when Carol and her son were seriously injured. After the other party’s insurance company tried to get her to settle for less than she needed, Carol called Rutter Mills for help. We took on the insurance company so she could focus on healing.

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