What Should I Tell My Insurance Adjuster After An Accident?

calling insurance adjusterThe short answer is, yes.

Most insurance policies have a provision requiring prompt notice of an accident. Additionally, your policy may provide coverage for repairs to your vehicle, or it may even cover a rental car while yours gets repaired.  Many times your own insurance company acts more quickly than the other driver’s insurance company.  So, you need to call and set up a claim with your own insurance company to get the process going.

But there are also a few landmines that you want to avoid.  First, don’t go into detail about your physical injuries, especially if you talk to the adjuster soon after the accident. Since he or she will be the one who negotiates the settlement, many times an adjuster will hope to pin down your specific injuries early on when you don’t even know how badly you were hurt.  A good approach to take when the adjuster asks about injuries is to say that you don’t know the extent of your injuries, but you want to get checked out by a medical provider.  Many car wreck injuries aren’t apparent the first few days after an accident, so keep that in mind when you make your initial call to your adjuster.