How to Deal With Insurance Adjusters After a Car Accident in California
You’ve been through the crash. The police report has been filed. You’re getting medical treatment and trying to get your life back on track. Then, the phone rings—an insurance adjuster is calling.
It might be from your own insurance company. Or it could be from the other driver’s insurer. Either way, the call often comes sooner than expected, and it can catch you off guard.
Here’s the good news: you don’t need to panic. With the right preparation and a basic understanding of your rights under California law, you can protect yourself, safeguard your claim, and avoid common pitfalls—without turning the call into a confrontation.
Why Are Insurance Adjusters Calling You?
Insurance adjusters are trained representatives who work for insurance companies. Their job is simple: to gather information about the accident and, ultimately, to settle the claim for as little money as possible.
They may sound friendly and professional. They might say things like:
- “We just want your side of the story.”
- “We’re trying to speed things up for you.”
- “This will just take a few minutes.”
But make no mistake. Their loyalty is to the insurance company, not to you. Even casual or offhand comments can be used to downplay your injuries or shift blame your way. That’s why it’s critical to approach every interaction with caution.
What You Should Say — and What to Avoid
✅ What You Can Say:
Keep it brief, factual, and non-committal. Here are safe things to share:
- Your full name and contact information
- The date and location of the accident
- Confirmation that you are receiving medical treatment
- That you will have your attorney follow up, if applicable
If you’ve already retained a personal injury attorney, you should inform the adjuster immediately and direct all further communication through your lawyer.
🚫 What You Shouldn’t Say:
Avoid saying anything that could minimize your injuries or suggest fault. Common mistakes include:
- “I feel fine.” (You may not realize the full extent of your injuries yet.)
- “It was partly my fault.” (Even partial fault can be used against you.)
- “I think the light was yellow…” (Speculation can hurt your credibility.)
- Any recorded statement—unless advised by your attorney
Tip: Less is more. You’re under no obligation to explain every detail on the spot. It’s perfectly acceptable to say:
“I’m not comfortable discussing this right now. I’ll follow up in writing.”
Do You Have to Talk to Them?
It depends on who they represent.
If it’s your own insurance company:
Yes. Most auto insurance policies in California include a “duty to cooperate” clause. Failing to respond or provide information can risk your coverage. But even then, you can (and should) speak carefully and consider seeking legal guidance.
If it’s the other driver’s insurance company:
No. You are not legally required to speak to them. In fact, it’s often not in your best interest to do so—especially without legal representation. They may try to catch you off guard, push for a recorded statement, or offer a quick lowball settlement.
Can You Ask Them Questions?
Absolutely. You have the right to gather information too. Ask:
- What is your full name and title?
- Which insurance company are you with?
- Are you calling regarding a claim filed by [name]?
- Is this call being recorded?
- What is the claim number?
- What is your role in the process?
Pro Tip
Take notes during the call. Write down who you spoke with, what was said, and the date and time. These details can be valuable later, especially if there are discrepancies or disputes.
When to Let an Attorney Handle It
There are several scenarios where it’s best to stop speaking with adjusters and let a personal injury attorney take over:
- You suffered serious or long-term injuries
- There is a dispute about who was at fault
- You’re being pressured to settle quickly
- The insurance company is denying or delaying your claim
- You’re being asked to give a recorded statement
At DK Law, we take over all communications with the insurance company so you don’t have to worry about saying the wrong thing. We protect your rights, present a strong case, and pursue the compensation you deserve. Whether it’s dealing with aggressive adjusters, evaluating settlement offers, or taking the case to court, we’ve got your back every step of the way.
Final Advice Before You Pick Up the Phone
You don’t have to be combative. You just have to be cautious.
- Stay calm
- Stick to the facts
- Don’t volunteer extra details
- Don’t speculate
- And never be afraid to say, “I’d like to speak to my attorney before continuing.”
At DK Law, we know how insurance companies operate—and we know how to fight back when they try to undervalue your claim. If you’ve been contacted by an adjuster after a crash in California, we’re here to guide you.
Call us before you call them. Your recovery starts with the right legal support.
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