Remember who the adjuster works for
An insurance adjuster works for the insurance company, not for you. That does not make them the enemy, but it does mean their goal and yours are not the same. They are measured on how little they pay out, and the friendly early call is part of that job.
What to say, and what to hold back
Stick to the basic facts: that an accident happened, when and where, and that you are seeking medical care. You do not have to speculate about fault, estimate your injuries before you know them, or say you feel fine. Politely decline a recorded statement until you have spoken with your own insurer or an attorney. "I'd like to get advice before I go into detail" is a complete and reasonable answer.
Common tactics to watch for
Be ready for a fast, low settlement offer before your treatment is finished, a request for a broad medical authorization, pressure to give a recorded statement, and attempts to pin some of the blame on you. None of these are reasons to panic. They are routine, and you are allowed to slow the process down and get advice before you respond.
When to bring in a lawyer
If you were hurt, fault is disputed, or the offer does not cover your costs, an attorney usually helps. They take over the calls, push back on the tactics, and value the claim for what it is actually worth. The consultation is free, and most injury attorneys work on contingency.
