How to Deal with Insurance Adjusters After a Car Accident in California

TL;DR: Insurance adjusters are not on your side—even your own insurer’s. Avoid giving recorded statements, don’t admit fault, and never sign anything without legal advice. California law allows you to let a lawyer speak for you. This guide explains how to handle adjusters to protect your rights and maximize your settlement.

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5 Tips for Handling Insurance Adjusters

1. Don’t Provide a Recorded Statement

Insurance companies often ask for recorded statements soon after the accident. Politely decline. These recordings can be used to twist your words or undermine your claim. You’re not legally required to give one to the other driver’s insurer.

2. Never Admit Fault

Even a simple apology can be interpreted as an admission of guilt. Fault—blame for the crash—is determined through evidence, not personal opinions. Let the investigation determine who was responsible.

3. Don’t Sign Medical Releases Without Legal Review

Adjusters may ask you to sign a blanket medical release. Don’t. These forms can give them access to your full medical history, not just records related to the accident. Always review any document with your attorney first.

4. Stick to the Basics

If you must speak with an adjuster, limit the conversation to the date, time, and location of the accident. Don’t discuss your injuries or speculate about fault.

5. Let Your Attorney Handle the Communication

The safest move? Refer the adjuster to your lawyer. Insurance companies are more careful when they know a legal expert is involved. Learn more about how we help clients handle adjusters.

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Real Story: How Legal Help Turned $18K Into $175K

After a T-bone collision in Long Beach, our client was pressured by an adjuster to accept $18,000. She refused to give a recorded statement and contacted us immediately. Surveillance footage showed she had the right of way. With our help, she ultimately secured a $175,000 settlement.

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Feeling Pressured by an Adjuster?

Take a breath. Don’t rush. Write down what happened in your own words while it’s fresh. You don’t have to face an insurance company alone. Read client stories from people just like you.

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FAQs

Am I required to talk to the other driver’s insurance company?

No. You’re under no legal obligation to speak with them. It’s safer to let your lawyer handle it.

What if the adjuster is from my own insurance?

You may be contractually required to cooperate, but that doesn’t mean you must say everything. Be cautious and consider legal support.

Is it okay to sign a medical release form?

No. These forms often allow full access to unrelated medical records. Don’t sign anything without legal review.

How soon after the crash will an adjuster contact me?

They may call within a day or two. You don’t have to answer. Refer them to your lawyer instead.

What if I already gave a recorded statement?

It’s not ideal, but all is not lost. Speak with a lawyer immediately to protect your claim.

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Talk to a California Car Accident Lawyer Today

Contact West Coast Trial Lawyers for a free consultation. No win, no fee. We’ll protect your claim while you focus on recovery.

Article by Neama Rahmani, Esq. — President, West Coast Trial Lawyers. California Bar No. 240613. Verify credentials.

This article is for informational purposes only and does not constitute legal advice. Always consult an attorney about your individual case.