What NOT to Say to an Insurance Adjuster After a Car Accident

01|2025

A car accident can be a traumatic experience. In addition to dealing with injuries and property damage, you may also have to deal with insurance adjustors. Insurance adjustors are trained professionals who are hired by insurance companies to minimize the amount of money they have to pay out on claims. It is important to be careful about what you say to an insurance adjustor, as anything you say can be used against you.  

Here are some things you should NOT say to an insurance adjustor after a car accident:

• “I’m sorry.” An apology can be interpreted as an admission of guilt, even if you were not at fault for the accident.  
• “I’m fine.” Even if you do not think you were injured, it is important to see a doctor after an accident. Some injuries may not be apparent immediately.
• “I don’t know.” If you do not know the answer to a question, it is best to say so. Do not guess or speculate.
• “I was not paying attention.” This is another statement that can be interpreted as an admission of guilt.
• “I was speeding.” Speeding is a traffic violation that can increase your liability for an accident.  
• “I was texting and driving.” Distracted driving is a major cause of accidents. If you were texting and driving, it is important to be honest about it, but you should also speak to an attorney before talking to the insurance adjustor.  
• “I have a pre-existing condition.” If you have a pre-existing condition, it is important to let your attorney know. The insurance adjustor may try to use your pre-existing condition to deny your claim or reduce the amount of money they have to pay.  
• “I will settle for [amount].” It is important to speak to an attorney before settling your claim. An attorney can help you get the full amount of compensation you deserve.

In addition to the above, you should also avoid making any recorded statements without first speaking to an attorney.

If you have been involved in a car accident, it is important to speak to a Denver personal injury attorney at Ridder Law as soon as possible. Attorney Theodore Ridder has been practicing for over 10 years and has a proven track record of success. He has recovered more than $50 million dollars for his clients through settlements and judgments.

It would be our pleasure to take a look at your case to see what we can recover on your behalf.

Here are some tips for talking to an insurance adjustor:

• Be polite and cooperative.
• Only provide factual information.
• Do not speculate or guess.
• Do not admit fault.
• Do not sign any documents without first speaking to an attorney.
• Keep a record of all communication with the insurance adjustor.

If you have any questions or concerns, please contact a Denver personal injury attorney at Ridder Law today.

Disclaimer: This blog post is for informational purposes only and does not constitute legal advice. Please consult with an attorney to discuss your specific legal situation.