Dealing with Insurance Adjusters: Dos and Don’ts for Personal Injury Claims

When you’ve been injured in an accident and are seeking compensation through a personal injury claim, one of the most important interactions you’ll have is with insurance adjusters. These professionals work for insurance companies and play a crucial role in evaluating and settling claims. However, it’s important to approach these interactions with caution and knowledge to protect your rights and maximize your chances of a fair settlement. In this blog post, we will discuss the dos and don’ts of dealing with insurance adjusters to help you navigate this process effectively.

Do Gather Evidence and Document Everything

Before speaking with an insurance adjuster, it’s essential to gather and preserve evidence related to your accident and injuries. Take photos of the accident scene, your injuries, and any property damage. Keep records of medical bills, treatment reports, and any other relevant documents. This evidence will support your claim and provide a clear picture of the damages you have suffered.

Don’t Provide a Recorded Statement Without Legal Counsel

Insurance adjusters may request a recorded statement about the accident and your injuries. While it may seem innocent, providing such a statement without legal representation can be risky. Insurance companies may use your words against you or twist them to minimize your claim. It’s best to consult with a personal injury lawyer before giving any recorded statements to ensure your rights are protected.

Do Communicate in Writing

Whenever possible, communicate with insurance adjusters in writing. This creates a clear record of all correspondence and ensures that your statements are accurately documented. Keep copies of all letters, emails, and other written communications related to your claim. If you do have phone conversations, make detailed notes afterward to document what was discussed.

Don’t Accept the First Settlement Offer Without Review

Insurance adjusters may offer you a quick settlement, especially early in the process when you may still be recovering from your injuries. However, it’s crucial not to accept the first offer without careful review and consideration. Often, initial settlement offers are lower than what you deserve. Consult with a personal injury attorney who can assess the true value of your claim and negotiate on your behalf.

Do Seek Legal Representation

Navigating the complexities of a personal injury claim can be overwhelming, especially when dealing with insurance adjusters who are skilled at minimizing payouts. Seeking legal representation from an experienced personal injury lawyer can level the playing field. An attorney will advocate for your rights, handle all communication with the insurance company, and work to negotiate a fair settlement that fully compensates you for your injuries and losses.

Don’t Rush the Process

Personal injury claims can take time to resolve, and insurance adjusters may try to rush you into accepting a quick settlement. Avoid succumbing to pressure and taking the first offer without carefully evaluating all aspects of your case. Patience is essential as you gather evidence, undergo medical treatment, and work with your attorney to build a strong claim.

Do Keep Records of Your Expenses

Maintain detailed records of all expenses related to your injuries, including medical bills, rehabilitation costs, medication expenses, transportation costs, and any other out-of-pocket expenses. These records will help establish the extent of your damages and ensure that you seek appropriate compensation for your financial losses.

Don’t Engage in Social Media Oversharing

Be cautious about what you post on social media platforms during your personal injury claim. Insurance adjusters often monitor claimants’ social media accounts to find any information that can be used to undermine their case. Avoid posting about your accident, injuries, or activities that could be misconstrued as evidence against your claim. Your best approach is to limit your social media presence until your claim is resolved.


Dealing with insurance adjusters is a critical aspect of the personal injury claims process. By following these dos and don’ts, you can protect your rights, strengthen your claim, and maximize your chances of obtaining a fair settlement. Remember, seeking legal representation from a skilled personal injury attorney can significantly improve your prospects of achieving a favorable outcome. With the right approach and professional guidance, you can navigate the insurance claims process with confidence and pursue the compensation you deserve.

If you’re facing a personal injury claim and need assistance, don’t hesitate to reach out to our experienced team at McManes Law. We are dedicated to fighting for the rights of our clients and ensuring they receive the compensation they deserve. Contact us today at (770) 645-8801 or fill out our online form to schedule a free consultation. Let us help you navigate the complexities of your personal injury claim and advocate for your best interests.

Skip McManes

Skip McManes is a seasoned attorney with more than 20 years of experience in representing injured workers. Prior to dedicating his legal practice to this cause, he briefly worked as an insurance defense lawyer where he witnessed the unethical tactics of insurance companies. This motivated him to shift his focus to defending the rights of workers against these powerful entities. Skip obtained his education from Johnson High in Gainesville and the University of Georgia, where he earned a degree in finance and a law degree. Despite his busy schedule, he remains an avid supporter of the Georgia Bulldogs. Currently residing in Alpharetta, Georgia, Skip has been married for over two decades and has four children. His commitment to his clients and passion for justice are evident in his work, and he is dedicated to fighting for the rights of those who have been injured on the job.

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