Skip to content

After an individual is involved in a car accident, an insurance adjuster will attempt to contact you. Insurance adjusters often will try to minimize your injuries. If you have been injured in an automotive accident, you should talk to an experienced New York City Car Accident Attorney. If you would like to learn more about how to interact with an insurance adjuster, please read on.

What Should I Know About Speaking with Insurance Adjusters After an Auto Accident?

It is important to know what to say to an insurance adjuster after an auto accident. Often, uninformed individuals will unknowingly make comments or remarks that hurt their case. Adjusters look for ways to minimize their client’s culpability. They do this by trying to persuade you to admit a degree of fault. You should never admit that you were at fault to an adjuster. Adjusters will often ask to record your statement, but you should not consent to be recorded. It is always better to give a written statement instead. You should refrain from discussing your opinion, and only recognize facts in your conversation. You should only tell insurance adjusters your basic information such as your name, address, and telephone number. You should always request their information as you are entitled to it. Basic information about yourself and the accident should be the only information relayed to an insurance adjuster.

What is the Purpose of an Insurance Adjuster?

An insurance adjuster represents and works for the insurance company you are filing a claim against. Adjusters investigate claims filed against policyholders to determine damages and compensation. They will analyze and evaluate your claim. The purpose of an insurance adjuster is to collect information on behalf of insurance companies and determine a settlement. However, they frequently offer lowball settlements initially, which is why you need an attorney experienced in negotiating with insurance adjusters.

What Do Insurance Adjusters Look for?

An insurance adjuster will look for any factors that could minimize your injuries and reduce the amount you could claim for damages. Adjusters try to bait you into revealing vital information that could affect your case and compensation. An adjuster will most likely come to inspect the vehicle involved in the crash or request photos. They will likely ask you for your medical records, but you are not inclined to grant them access. They are allowed to see your medical bills. Adjusters are looking to see if any other circumstances could have led to your injury. They want your medical records to see if your injury could be linked to a pre-existing condition. Insurance adjusters are looking for anything that discredits your claim against their policyholder. If an insurance adjuster reaches out to you, it is imperative to contact an experienced New York City Personal Injury Attorney who can help you navigate a conversation about your personal injury.

Contact Our New York City Firm

If you have been injured in a New York City accident, Swerling Law is here to help. Contact Swerling Law today to schedule your free initial consultation with our firm.


Settlement to a barista who slipped and fell on a defective stairwell while working for Starbucks who sustained back injuries requiring multiple surgeries in 2012.


Settlement to a woman who was assaulted and sustained back/hip injuries in 2015.


Verdict to a high school student who was assaulted by a school dean during her lunch period dislocating her hip in 2014.


Settlement to a man who was run over by a dump truck on a Brooklyn street causing him to sustain multiple injuries, including but not limited to a broken leg and detached urethra in 2019.


Settlement to a woman who slipped and fell down a wet stairwell in a New York City Housing Authority building requiring a back surgery in 2018.

View More Results

Read Our Latest Blog Posts

What is “pain and suffering” in the context of a personal injury suit?

Legally, when an individual is injured due to another person's negligence they are entitled to recover monetary compensation for their economic and non-economic losses. Injuries can cause devastating and life-altering physical and mental trauma that negatively affects an individual's welfare. If you have been injured due to negligence, contact a knowledgeable…

Read More
What should I know about medical malpractice claims in NYC?

Generally, individuals rely on their physicians to accurately diagnose and create suitable treatment plans for their health conditions. Individuals blindly trust that their physician will provide a legal standard duty of care as they have taken an oath to do so. However, medical professionals may neglect that oath resulting in…

Read More