Dealing with insurance adjusters
The other driver's insurance adjuster works for the insurer. Being polite and factual is fine; here's what to be careful about.
- Recorded statements. You may not be required to give one to the other driver's insurer. If you do, stick to facts and don't speculate about fault or injuries.
- Medical authorizations. A broad authorization can open your full medical history. Ask what's needed and why.
- Releases. Signing a release usually ends your claim permanently, even if injuries turn out worse. Read it carefully.
- Early offers. A quick offer may come before the full extent of injuries is known. You can take time to consider it.
- Your own policy. Your policy likely requires you to cooperate with your own insurer; read your duties after an accident.
Consider talking to a licensed attorney before giving statements or signing anything if you were hurt.