Dealing with insurance companies is a task nobody wants, ever. Unfortunately, after a car accident the frustrating experience of talking to an insurance adjuster is virtually certain. According to Esurance, 77% of all drivers have been in at least one car accident. Inevitably, almost all of us will file an auto accident claim at some point in our life. 

After reporting a claim, you will eventually speak with an insurance claims adjuster to evaluate your claim. Part of that evaluation involves looking for reasons to deny or devalue your claim. You may even speak with adjusters for your insurance and the other driver’s insurance. 

Speaking with an insurance claims adjuster can be an uncomfortable and sometimes hostile experience. The insurance company does not want to pay on your claim. The adjuster’s job is to evaluate or “adjust” the claim to reduce the insurance company’s financial responsibility under the policy. The information obtained by the adjuster will determine the claim evaluation. What you say and how you say it can have a big impact on the outcome of your claim.