Why You Shouldn’t Talk to the Insurance Company Without a Lawyer

After an accident, you may be contacted by an insurance adjuster who seems friendly and helpful. They may tell you they “just need your side of the story” or that providing a recorded statement will help speed up the process. While this may sound innocent, speaking to the insurance company without a lawyer can seriously hurt your personal injury case.

Here’s why:

1. Anything You Say Can Be Used Against You Even innocent comments like “I’m fine” or “I didn’t see them coming” can be used to downplay your injuries or shift blame. Insurance adjusters are trained to ask questions that elicit statements favorable to their company.

2. You May Not Know the Full Extent of Your Injuries Yet Many injuries—especially soft tissue damage or concussions—can take days or even weeks to fully develop. If you speak to the insurance company too soon, you might underestimate your injuries and weaken your claim.

3. They May Try to Settle for Less Adjusters often offer a quick, lowball settlement in hopes you’ll take the money before realizing the true value of your case. Once you accept, you typically waive your right to seek additional compensation.

4. They May Ask for a Recorded Statement Providing a recorded statement can be risky. Adjusters may use your own words out of context or twist your responses to create doubt about your claim.

5. They Are Not on Your Side It’s important to remember that insurance companies are businesses. Their goal is to pay out as little as possible—not to fairly compensate you for your injuries.

Protect Yourself: Talk to an Attorney First An experienced personal injury attorney knows how to deal with insurance companies and can handle all communications on your behalf. This ensures your rights are protected and that you don’t say anything that could be used against you later.

Key Takeaway: Never talk to the insurance company without first consulting with a lawyer. It could be the difference between a full and fair settlement—or walking away with far less than you deserve.