Five Tips For Dealing With Auto Insurance Adjusters Without Getting Run Over

We all purchase car insurance in the hopes that if we are ever in an accident, we will be protected. However, the sad reality is, that car insurance companies do not always care about protecting their customers. Instead, they care about protecting their bottom line. You will soon discover this after an accident when you have to speak to a claims adjuster. Insurance claims adjusters are tasked to reduce the cost of insurance claims. In order to do so, they will pull a number of dirty tricks including:

● Pretending to be on your side only to use your words against you
● Be unavailable to speak for weeks on end so you can’t get ahold of them
● Bury you in procedures and paperwork hoping you get frustrated and give up
● Low ball you so they don’t have to pay the full value of your claim

In order to protect yourself from these tactics, it’s important to understand how to deal with an auto insurance claims adjuster. Here are five tips that can make sure that you are protected:

Understand Your Rights

Claims adjusters know that most people do not understand the complex laws surrounding car accidents. They use this ignorance of the law to their advantage. You have rights and understanding the basics of your rights will ensure you are protected:

● You have the right to say no to claims adjusters
● You have the right to not answer any questions you are not comfortable answering
● You have the right to ask them questions and get the answers you need
● You have the right to not speak to claims adjusters at all

Remember, claims adjusters are not part of law enforcement, they are employees of private companies.

Take The Call On Your Time

You have no legal obligation to talk to a claims adjuster on their schedule. If they call at a bad time, tell them that you will call them back when you are ready to discuss. Make sure that when you do talk to them, you are comfortable, confident, and prepared. This will help ensure that you say the right things.

Stick To The Facts

Insurance claims adjusters will try to manipulate you into admitting fault. Remember whatever you say to them will be documented and potentially used against you. When you talk to your insurance adjuster, simply stick to the facts of the accident. What happened, where, and who the crash involved. If you are injured, simply tell them you have been injured and are currently seeking medical treatment.

Have Your Documentation Ready

Insurance adjusters will bombard you with questions that you may not know how to answer. They do this in hopes that you’ll be backed into a corner and respond hastily. If you have all your documents ready including the police report, your medical bills, and any other necessary paperwork, then you can reference these documents when you don’t know the answer. If you do not know the answer to a question, you are not under any legal obligation to answer. Simply state that you are not ready to answer the question.

Hire An Attorney

The best thing you can do to protect yourself is to hire an attorney. Once an auto accident attorney takes your case, they will handle all correspondence with the claims adjusters. This will protect you from any of their tricks.

At Justice Pays, the insurance adjusters know our attorneys by name. They know that they can’t pull the wool over the eyes of our clients. When you hire us, we’ll take care of the bullying and manipulative insurance adjusters, so you can focus on healing from your injuries. If an insurance adjuster is harassing you, give us a call at 1-888-954-1234. We’ll fight for your rights against the insurance companies.


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I used Michael Babboni and his paralegal, Nicole Moore for a legal matter. They went above and beyond my expectations. During the entire process there was constant communication with both Michael and Nicole. They were extremely organized and on top of my case, which I am very grateful for. Michael truly had my best interests at heart and he was very genuine. I plan on referring Michael to all family and friends and will continue to use him in the future.

I dealt most with Mr. Fernandez. I didn’t know a lot about this process. He took the time to speak with me individually, in person, to explain everything. It was very helpful to actually know and understand the process and what to expect. He closed my case quickly, which was nice that it was not prolonged! I appreciated his hard work and getting me what I felt I deserved after my car accident. I highly recommend him to anyone who needs an honest and reliable lawyer to assist you with your case!

I hired Mr. Walsh after an automobile accident this past March. He and his entire staff were extremely professional. They kept me informed every step of the way and settled my case in a timely manner. Thank you so much for your help.

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