Should You Talk to the Insurance Company? (No.)
After an accident, you'll receive calls from insurance adjusters who sound friendly and concerned. They are not your advocates. Here's why you should let an attorney handle these conversations.
The Insurance Company's Goal
Their goal is to minimize what they pay you. Every question is designed to get information they can use against your claim.
Common Tactics
- Recorded statements: They'll ask for a recorded statement 'for their records.' This statement can be used to find inconsistencies and reduce your claim. - Quick settlement offers: They may offer money fast — before you know the full extent of your injuries. Once you accept, you can't ask for more. - Friendly demeanor: Adjusters are trained to build rapport so you'll share more information than you should.
Have a situation like this?
Get a free evaluation from an attorney who handles these cases every day.
Free Case Evaluation →What to Do Instead
Politely tell the adjuster: 'I appreciate your call, but I've been advised not to give a statement without my attorney present. Please direct all communications to my attorney.'
Then call us.
This article is general information only and does not constitute legal advice.
About the Author
Marcus HargroveFounding Partner · General Practice
Founded Hargrove & Associates 14 years ago. J.D. from State University School of Law. Career recoveries over $31M. Known for meticulous preparation and willingness to go to trial when insurance companies refuse fair settlements. Also maintains an active criminal defense practice. $2.1M wrongful death verdict — the largest single verdict in NVC history. $840K car accident settlement where the insurer initially offered $45K. DUI dismissed due to procedural violations. NVC Business Chamber member. Youth mentorship program founder.
Need Legal Help?
Get a free, confidential case evaluation from an experienced attorney.
Related Articles
What Happens Next: Personal Injury
Here is what the process looks like, step by step.
Free Case Evaluation
Day 1Tell us what happened. Bring any photos, police reports, or medical records you have — but don't worry if you don't have everything yet.
We assess your case, identify liable parties, and give you an honest evaluation of your options. If we can't help, we'll tell you and point you in the right direction.
Investigation & Evidence Preservation
Weeks 1–4Focus on your medical treatment. Follow your doctor's instructions. Keep a record of how your injuries affect your daily life.
We send preservation letters, collect police reports, obtain surveillance footage, interview witnesses, and begin building your case file.
Medical Treatment & Documentation
Months 1–6Attend all medical appointments. Do not gap your treatment. Keep receipts for any out-of-pocket expenses.
We track your treatment, coordinate with your doctors, and compile a complete medical damages package. We handle all communication with the insurance company.
Demand & Negotiation
Months 6–12Review the demand package with us. We explain every number. You decide whether to accept, counter, or go to trial.
We prepare and deliver a comprehensive demand package. We negotiate aggressively, leveraging our trial record to push for full value.
Resolution or Trial
Months 12–18If the case settles, you receive your check within 2–4 weeks. If we go to trial, we prepare you thoroughly for testimony.
We resolve your case — by settlement if the offer is fair, by trial if it is not. We never recommend accepting less than your case is worth.