What You Should Never Tell a Claims Adjuster
When you’ve laid rubber on the pavement or slipped hard, and the insurance sharks start circling, you better speak smart or don’t speak at all. One wrong word and your claim could go up in smoke. Let’s roll through the top things you should never say to a claims adjuster—unless you’ve got a lawyer watching your back.
1. “It Was My Fault…”
Even saying “I’m sorry” can bite you later. Don’t admit anything—not at the scene, not on the phone, not in casual chat. Every word you say becomes ammo in their fight to pay you less.
2. Stretching the Truth or Guessing the Facts
If you’re not sure, don’t say it. Giving half-baked or inaccurate info makes you look shady, and once your credibility crashes, so does your case. Speak facts, not fiction.
3. Talking Injuries Before You’re Fully Treated
You might feel “okay” now, but you could be riding with hidden damage. Don’t downplay the pain. Wait until your doc’s done mapping out the full scope before you talk numbers—or you’ll lowball yourself.
4. Talking While Rattled or Shaken
Don’t negotiate when you’re fresh out of the crash or riding an emotional rollercoaster. Insurance adjusters are legally barred from twisting your words while you’re in distress—but some will still try. Know your rights and don’t give them the keys to your case.
Florida Law Says: Adjusters must not get statements or push settlements when you’re traumatized. That kind of pressure is flat-out unethical.
Source: Florida Code 69B-220.201
5. If You’ve Got a Lawyer—Let Them Talk
Once you’re represented, keep your lips sealed and send the adjuster straight to your attorney. It’s not just smart—it’s the law.
Adjusters aren’t allowed to haggle with you directly once they know you’re lawyered up. If they try, they’re breaking ethical ground.
Source: Florida Code 69B-220.201
6. Say No to Recording—Without Legal Backing
A recorded statement might sound harmless. It’s not. That audio clip becomes evidence—and not always in your favor. Talk to a lawyer before you agree to one syllable.
7. Don’t Grab That First Offer
Lowball offers are the adjuster’s bread and butter. They’re banking on you being desperate. You deserve more—and with the right legal firepower, you’ll get it.
Bottom Line: You ride hard, you fight smart. Let the Attorney That Rides keep your case from skidding out. Don’t talk to the adjuster until you’ve got legal horsepower behind you.
