How To Talk To Insurance Claims Adjusters? 6 Powerful Words To Say!

Do you want to know how to talk to insurance claims adjusters? In just easy ways, you can, and these things you’ll know as you delve further into the article.

Are you having a hard time talking to your insurance claims adjusters? Can’t you seem to get to any mutual agreement? Do you have a hard time explaining your standpoint and getting the important information through? Is it making you nervous to say the wrong thing and make things inconceivably worse? Before everything else, let’s understand first what are insurance claims adjusters.

how to talk to insurance claims adjusters

They are basically the people you call and when you have just had some property damage or any major personal injury under a company’s name. They investigate to know the extent of your insurance or the company’s liability.

The police might also get involved if needed. They will legally have to go through your police records if you ever had any or hospital records in many instances. Since you claim that the company is liable for the said damage, they must go through all of that to confirm your claims. But they can be tricky. There are many possibilities a fraud could be framing a company to get free insurance money; that is another reason why they are very thorough and important.

Well, you found the right article for that, we are going to tackle those problems. They are supposed to be your safety net when things go wrong and are there to get it out of your hands. So let’s get right to it, shall we?


How Do Insurance Adjusters Find Fault?

When investigating, they don’t find things to back you up. Instead, they look for something to help the company. They are nitpicking the situation, so you can say your safety net is also your adversary. They review the incident through numerous thorough interviews involving many parties, looking at photos of the scene, and taking input from other parties.

Then with the cooperation of the insurer, they determine who is responsible for the accident. So it won’t be the police, witnesses, or the person you got involved in the accident with who will determine who is at fault. In this case, the adjusters will have the power over that matter.


What To Say To Insurance Claims Adjusters?

Here are some easy steps to follow when conversing with one of your claims adjusters. It is important to remain calm and formal when speaking to them at all times. Remember, you are in the right. All you need is to prove that, work smoothly with them to gain their trust and approval. Now, here are the ways on how to discuss business with one of them:


#1. Get familiar with the claims adjuster

Before you get into business, it is wise to know who they are through personal information. Not everyone is who they claim to be. Start with getting their name, business phone number, what policyholder they cover, and as well as their business phone number.


#2. Limit your vulnerability

Be open but at the same time keep the unnecessary personal details to yourself. It is never a good idea to be too open when dealing with business people. If this step seems a little vague, then let me elaborate for you. The only information they will need from you is those related to the incident needed for insurance.

Do not tell them your daily routine or activities, work schedule, sideline work, or earnings. If it is about injuries, you may tell them about your injuries, but you may leave out details, and it is advisable to do so. You may not be fully aware of the full damage of your injuries just yet.


#3. Do not take the bait

They will tempt you with an early offer, do not take this. Most probably than not, this offer would be much lower than what you are supposed to be receiving. This is only baiting money.

Here’s what to take note of: know first the full extent of the situation and then assess the charges needed to cover such expenses.


#4. Vague accident

You shouldn’t give a detailed report of the accident. Only give the needed information such as the when and where, the identities of the drivers, passengers, and other witnesses involved. You aren’t required to give out any more details than those.


#5. Your fault

Never admit it’s your fault. Don’t ever use apologetic language; you should take your insurance, not pay for anything. The adjuster will try to find loopholes where the company won’t have to be liable. Even if it may be your fault, do not openly admit it or blame yourself. Even the slightest hint of doubt in your voice can be of leverage to them. Could you not give them this leverage?


#6. Recorded statements

Do not agree to recorded statements. You are never required to make a recorded statement in these situations, and you have the right to decline one. It is advisable to decline so. This recording may be used against you as with any other records that are made after the accident. That is why it is important to be vague and not give too much detail about the incident.



Insurance claims adjusters aren’t your friends; they are your frenemy. If talked to and handled well, they may well be by your side of the party. However, only they have the power to determine who is at fault. If you want to know more about them, here are the ways to negotiate with an insurance adjuster. Thank you for reading!

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