Within days — sometimes hours — of an accident, the other driver’s insurance company will call. The adjuster is polite, sympathetic, and “just needs your version for the file.” What they are actually doing is building a record to minimize or deny your claim.
You are not obligated to give a recorded statement to the other side’s insurer, and you should not do so without an attorney. Innocent phrasing — “I’m fine,” “I didn’t see them” — will be quoted back months later to argue your injuries are minor or the fault is yours.
We spent years defending insurance companies before we switched sides. We know the playbook: the early lowball offer, the recorded-statement trap, the request for blanket medical authorizations. Each one has a single purpose — closing your claim cheaply.
Let every insurer call go through your attorney. It costs you nothing — our fee is contingent, and the consultation is free.
Injured? Get answers about your own case.
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