What NOT to Say to an Insurance Adjuster After an Accident

What you say in the hours and days after an accident can follow your claim for months. A few common phrases, said with good intentions, are exactly what adjusters listen for.

Written by the Florida Injury Team Legal Content Team · Reviewed for accuracy by our network of licensed Florida attorneys · Learn about our editorial process

The adjuster is not on your side

Insurance adjusters are trained professionals whose job is to minimize what their company pays out. They may sound friendly and helpful, but anything you say can be used to reduce or deny your claim.

Phrases to avoid

• "I'm fine" or "I'm not hurt": Adrenaline can mask injuries for hours or days. This statement can be used against you later if you do need treatment.
• "It was my fault" or any apology: Even a reflexive "I'm sorry" can be twisted into an admission of fault.
• Guessing about injuries or damage: Speculating before a full medical evaluation can undercut your claim if the guess turns out wrong.
• Giving a recorded statement without preparation: Adjusters often ask leading questions designed to get you to minimize your injuries.
• Accepting a quick settlement offer: Early offers are almost always far less than what a claim is actually worth.

What you can safely say

Stick to basic facts: your name, contact information, and the date/location of the accident. For anything beyond that, it's reasonable to say you're still gathering information and will follow up.

Why it helps to have someone speak for you

Once an attorney is involved, the adjuster typically has to go through them instead of you directly, removing the pressure to say the wrong thing in a vulnerable moment.