Dealing with the aftermath of a car accident is never easy. There may be all sorts of emotions running through your mind, including fear, frustration, and uncertainty, especially when serious injuries are involved. According to Illinois Department of Transportation data from 2022, over 80,000 motorists were injured in vehicle crashes. These numbers make it clear that accident victims across our region are not alone.
In states like Illinois, Indiana, and Wisconsin, most injured motorists face more than just physical recovery, the aftermath of a car accident usually involves complicated insurance conversations. One of the most important steps after an accident is knowing how to handle calls from adjusters – an auto insurance company representative who will call you after the accident.
Generally speaking, car accident insurance companies are obligated to minimize the payout after an accident. To do this, these companies have all sorts of tactics to downplay accidents and shift blame in the car accident claim.
If you’ve been hurt in a crash, knowing what to do when that first insurance adjuster call comes in can help you avoid costly mistakes and protect your rights to fair compensation. In this post, we’ll walk you through how to handle this process and protect your best interests.
Why Insurance Adjusters Call
Most car insurance adjusters reach out within days of the accident, sometimes even before you have the opportunity to see a doctor. Their main goal is to gather information, as quickly as possible. Insurance adjuster companies typically want to limit what they might pay, so their adjusters are trained to manage claims efficiently and minimize costs.
In Chicago and surrounding regions, injured drivers can expect calls both from their own insurer and the at-fault party’s insurer. Topics generally include how the accident happened, who was involved, and the nature of your injuries.
Always keep in mind, adjusters work for insurance companies, not for you. Adjusters may sound friendly, but their questions are designed to protect the insurance company’s interests. For example, they may ask:
- For a detailed account of how the accident occurred.
- Whether you experienced pain immediately after the crash.
- If you have any prior injuries or existing medical conditions.
- How much damage was done to your vehicle.
- If you were distracted or doing anything unusual at the time of the accident.
When dealing with insurance companies, these questions may seem genuine, but could later be used to reduce your claim. Be very careful how you answer these. Do not (in any way) admit or imply fault. Simply apologizing may be used against you down the road.
Your Rights After a Car Accident
You have important legal rights in every insurance conversation following a car accident. Here’s what you should remember:
These rights exist to make sure that accident victims are not taken advantage of during a stressful and confusing time. Insurance companies may try to pressure you into quick decisions or tell you an attorney is not necessary. Don’t take the bait. It pays to be aware of your rights to make smart choices and avoid common mistakes during the claims process. These rights include:
Right to Consult a Lawyer
You are allowed to speak with a car accident lawyer before answering questions or accepting any settlement.
In Chicago and across Illinois, Indiana, and Wisconsin, legal advice can be crucial to avoid costly mistakes. Attorneys can review your case details and advise you on the best course of action before you speak to any car accident insurance representative.
Most importantly, Chicago car accident attorneys are familiar with the tactics insurance companies use to reduce payouts and can help you avoid making a serious mistake. Seeking legal counsel early is super important to make sure you meet deadlines, paperwork is handled properly, and you don’t imply fault in any way.
Right to Control the Flow of Information
You are not required to give a recorded statement or to answer every question immediately. You can choose to limit information, especially about your health or detailed accident events, until you speak to a professional. Take your time and don’t feel pressured to respond on the spot.
It’s always a good idea to write down what you remember and review it before sharing details, so your account stays consistent. This careful approach helps prevent misunderstandings or statements that could be used against you later.
Right to Protect Your Claim
Every word you say can be used to shape your claim’s outcome, either helping or hurting your case. Insurance adjusters may use your early statements to question injury severity or place blame (in some capacity) later.The best thing you can do here is to avoid speculation or making definitive statements about the accident or your injuries.
If you are nervous about an answer, let the adjuster know you are still gathering information or receiving medical care. Staying cautious helps keep your claim as strong as possible throughout the process.
What to Say to an Insurance Adjuster
When a car accident insurance adjuster calls, it is best to stick to the facts. Always remain calm and polite during the conversation, no matter how pressured you feel. Remember, you are under no obligation to answer questions that make you uncomfortable or seem intrusive.
Answer Basic Questions
It’s fine to confirm your name, contact information, and the date and location of the crash. Do not provide your Social Security number or discuss your insurance coverage limits at this stage. Keep your responses brief and factual, without volunteering additional information. If you are unsure about any detail, let the adjuster know you will provide it later once you have verified the information.
Describe the Accident in Simple Terms
State only what is necessary, such as, “I was involved in a car accident on Main Street on May 10.” Avoid offering extra details. Avoid assigning blame or speculating about what caused the accident. If you are asked for more information, politely state that you are still gathering facts.
You can explain that your memory may still be affected by the stress of the event, and you will clarify details once you have spoken with your car accident lawyer.
Be Careful with Car Accident Injury Discussions
Say you are still getting medical attention or that you are not sure about the full extent of your injuries. Never downplay or guess about your condition. Avoid making statements like “I’m fine” or “I feel okay,” as your injuries may develop over time. If you are still undergoing treatment, let the adjuster know that your medical evaluation is not yet complete. It’s appropriate to say that you will update them once you have a clearer diagnosis from your healthcare provider.
Avoid Recorded Statements
You have the right to refuse to be recorded. Politely insist that you would like to consult a lawyer before agreeing to any recordings. If the adjuster pressures you, calmly repeat your request and do not allow yourself to be rushed.
Explain that you want to ensure your rights are fully protected before making any official statement.
It is always in your best interest to have legal guidance before agreeing to a recorded interview.
Key Takeaways
- Stick to the basics –only provide your name, contact information, and the date and location of the accident.
- Keep accident descriptions simple –avoid unnecessary details.
- Do not admit fault in any way, shape, or form
- Be cautious about explaining your injuries – say you are still being evaluated by medical professionals or that you do not yet know the full extent of your injuries.
- Refuse recorded statements
- Don’t speculate, make assumptions, or give ambiguous answers to questions
- Take notes
- Ask for the contact information of the adjuster
- End the conversation if you feel uncomfortable
Mistakes to Avoid With Adjusters
Adjuster calls can lead to trouble if you are not prepared. Falling into the common pitfalls can mean lost compensation or even denial of a claim. Failing to recognize the adjuster’s motives or being caught off guard can make it harder to protect your interests. Preparation and caution are everything when you communicate with an insurance representative.
Here are the most common (and detrimental) mistakes many car accident victims make when speaking with insurance adjusters:
Admitting Fault
Even saying “I’m sorry” or speculating about the cause can be used to shift blame onto you, which can compromise your car accident lawsuit.
Never make statements about what you think happened or who was responsible. Stick to the facts and avoid discussing fault altogether. Let the investigation and your attorney determine liability.
Accepting the First Offer
Early car accident settlement offers are typically lower than what an injury victim deserves. Once accepted, you lose your chance to ask for more, even if medical bills increase later. Insurance companies count on you wanting a quick resolution, but patience is key when negotiating for a fair car crash insurance settlement. Keep in mind that your long-term needs may not be fully known right away.
Oversharing Details
Adjusters may “fish” for unnecessary information that could weaken your case, like asking about previous injuries or unrelated health issues. Only answer questions that are directly asked, and avoid volunteering extra details.
If you’re uncertain how to respond, it’s okay to say you need to speak with your attorney first.
Sharing too much can give the insurance company ammunition to minimize your car accident claim.
For example, if you accept and receive a settlement offer before seeing a doctor, further treatment costs will likely come out of your own pocket. Don’t let this happen. Never rush your decisions.
How a Chicago Car Accident Attorney Helps When Communicating with Insurance Adjusters
Bringing in a local attorney can change the balance when handling insurance companies. An experienced lawyer understands the tactics insurance companies use to minimize payouts and can anticipate potential challenges in your case. Having legal representation can lead to more thorough investigations and stronger evidence collection, which can improve your car accident claim.
Here’s how legal help makes a difference:
Handle Communication for an Injury Claim on Your Behalf
Attorneys can speak directly with adjusters on your behalf, reducing your stress and lowering the risk of saying something harmful by mistake. They understand the language and strategies used by insurance companies and make sure nothing is misconstrued.
A professional buffer can prevent you from being pressured into answering tricky or leading questions. By letting a lawyer handle communication, you maintain control over your case and avoid making statements that could weaken your car accident claim.
Evaluate Settlement Offers
A local car accident lawyer should be familiar with how injury claim values are in states like Illinois, Indiana, and Wisconsin.
They can spot a lowball offer and push for fair compensation based on your injuries, lost wages, and future needs. An attorney can thoroughly review any offer before you sign, checking that all your damages —both current and future — are fully considered.
With legal guidance, you’re less likely to accept an unfair settlement that doesn’t meet your actual needs.
Protect Your Interests
Legal professionals work to protect your rights at every step in the car insurance claim process, so you don’t have to manage these calls alone.
They stay alert to attempts by insurers to shift blame or reduce the value of your car accident claim. Your attorney acts as your advocate, making sure that your medical expenses, pain and suffering, and other losses are not overlooked. By having a dedicated professional on your side, you can focus on recovery while your rights remain protected.
Steps to Take After Being Contacted
Take a moment to collect your thoughts before responding, so you don’t feel rushed or pressured. If you feel uncomfortable or unsure about any questions, let the adjuster know you need time to review or consult with a lawyer before answering.
You can take several practical actions right after an adjuster calls:
Document All Conversations
Record the date, time, and details of each call, including the adjuster’s name.
Write down any questions the adjuster asks and your responses for future reference. Store all correspondence, including emails or letters, in a dedicated folder. This documentation can serve as evidence in a personal injury lawsuit if there is a dispute over what was said or promised during your claim process.
Gather Evidence
All car accident injury claims are based on evidence. We recommend you hold onto the following pieces to help build your care:
- Photos from the accident scene
- Repair estimates
- Medical records after an auto accident
- Medical bill
- A copy of the police car accident report related to your accident
- Receipts for any out-of-pocket expenses related to your injuries or car repairs.
The more comprehensive your evidence, the stronger your case will be when negotiating with insurance companies.
Get in Touch with a Car Accident Law Firm
In the Chicago area and across the Midwest, many personal injury firms (including those offering free consultations) can assess your and explain your options without any upfront cost. An experienced car accident attorney can help you understand the value of your Chicago car accident claim and advise you on the best course of action. If necessary, they can help you file a car accident lawsuit to cover your damages.
They can also handle communications with the insurance company to prevent you from making statements that could harm your case.
Several regional resources are available, such as your state’s Department of Insurance for guidance and consumer protections. Here are some resources for your reference:
Illinois, Indiana, and Wisconsin each have hotlines and online info centers for car accident victims.
What’s the Next Step?
Being contacted by an insurance adjuster after a car accident can be intimidating, but you do not have to face it alone or unprepared. If you know your rights, control what you share, and seek local legal help when things get complex, you’re in a stronger position to protect your well-being and secure fair compensation.
Take time to understand each step before speaking with adjusters, equip yourself with knowledge, and do not hesitate to ask for support as you move forward with your car accident claim.
Were you involved in a car accident in Chicago, Greater Illinois, Indiana, or Wisconsin? Midwest Injury Lawyers is here for you. Reach out today to schedule a FREE consultation and speak with a Chicago car accident lawyer. We’ll discuss the events of the car crash and the process to file personal injury claims.