What not to say to your insurance adjuster?


Editorial team Published on

Never admit fault, say "I'm fine," or guess details when speaking with an insurance adjuster, as these statements can be used to reduce or deny your claim.

Phrases and Statements to Avoid

  • "I'm sorry" or "It was my fault": Apologizing or taking blame—even out of politeness—acts as an admission of legal liability and can severely lower your payout under comparative negligence rules.
  • "I'm fine" or "I'm not hurt": Adrenaline often masks serious injuries like whiplash immediately after an accident. Saying you are okay can prevent you from getting compensation for delayed symptoms.
  • "I think" or guessing speeds/distances: Speculating on facts you do not know for sure destroys your credibility if the physical evidence later shows otherwise. Stick strictly to facts you know.
  • "Yes" to a recorded statement: You are generally not required to give a recorded statement to the other driver's insurance company. You can decline by stating, "I'm not comfortable giving a recorded statement at this time."
  • "That sounds fair" to early settlement offers: Accepting a quick payout before you finish medical treatment or know the full repair costs closes your case permanently, leaving you to pay out of pocket for future expenses.

Best Practices for Communication

  • Keep answers brief: Provide only basic facts like the date, time, location, and vehicles involved.
  • Be clear and concise: As noted in discussions on Reddit, users generally agree that offering unnecessary narratives or extra details only gives the adjuster room to twist your words.
  • Defer to professionals: Let medical providers evaluate your injuries and allow police reports or legal counsel to handle liability discussions.