Should I Talk to the Insurance Adjuster? (Probably Not — Here's Why)

The adjuster is not your friend They work for the at-fault driver's insurance company. Their job is to pay you as little as possible.

Common tactics - Asking for a recorded statement before you understand your injuries - Friendly small talk designed to elicit damaging admissions - Lowball offers presented as 'final' - Requests for blanket medical authorizations

What you should do - Don't give a recorded statement to the at-fault insurer - Don't sign anything without an attorney - Refer their calls to your lawyer

Your own insurer You usually have a contractual duty to cooperate with your own carrier — but even there, an attorney should help you prepare.