What Not to Say to an Insurance Adjuster

As an auto accident and workers' compensation attorney in Monroe, I know Lousiana's personal injury laws inside and out. My name is John Bruscato, and I want to use my legal knowledge to provide relief for victims after they have been in an accident.

You don't have to navigate the legal system alone. While you should always reach out for legal counsel as soon as possible, you can't expect the insurance companies to be patient or play fair when it comes to your case. If you've been in an accident in the Monroe, Louisiana area, I want to make sure you're aware of the things you should definitely not say to an insurance adjuster when they call.

Five of the most common types of personal injury cases are auto accidents, medical malpractice, premises liability, product liability, and wrongful death claims. No matter how you've been injured, if a claim has been filed, you will have to speak with an insurance adjuster so they can assess their judgment of fair compensation. Your phone may even start ringing before you can fully understand what happened with the accident, but if you follow my advice, then you can be prepared to manage the stress of handling that initial call.

5 Things Not to Say When Speaking to an Insurance Adjuster


You may say sorry regularly out of habit, but this is one particular instance when you want to be sure not to say that. When you’re speaking with an insurance adjuster who is trained in active listening, they can use minor exchanges against your case that you didn’t even realize you had said. It’s important to remain calm and as straight-to-the-point as possible.

“I’m OK” or “I’m Fine”

Depending on how quickly the insurance companies reach out to you following the accident, you may or may not have had time to seek proper medical attention. You don’t want to minimize the damage that was done to you by leaving anything out or realizing later on that the injury was worse than you initially thought.

“They Came out of Nowhere”

When you mention the notion that another diver and vehicle appeared out of nowhere it can lead adjusters to question whether or not you were paying attention to the road at the time of the accident. You don’t want to give the insurance companies a reason to doubt your claim.

“I Think…”

The last thing you want is for the insurance company to stress you into providing answers you’re unsure of. You do need to cooperate, but you do not need to provide a full recount of the accident. Sticking to the facts that you know 100% without a doubt is all the information you need to get through the initial call. For instance, some things you may be asked about could include: who was involved, what types of cars were involved, where and when did the accident take place. Only answer what you can without the precursor “I think…”

“Sure, You Can Record a Statement”

You are not legally obligated to give a recorded statement. It’s important to be wary of these as the insurance companies can take pieces of your conversation out of context if it fits their needs when refuting your claims.



If you have been the victim of an auto accident or workplace accident in the Monroe, Louisiana area and the insurance companies are overwhelming you, please get the help you need by calling Bruscato Law and setting up a free consultation.

I am dedicated to providing you with the knowledge you need to understand your best path forward to recovery. As your trusted attorney, you can count on me to take the time to thoroughly understand the details of your unique case and guide you through the best legal options you have to maximize your settlement amount.

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