Dealing With Insurance Adjusters: A Survival Guide

February 25, 2026

They sound friendly. They're not your friends.

Their Job

Adjusters are trained professionals whose job is to limit their employer's payout. The friendlier they sound, the more careful you should be.

Common Tactics

• Quick lowball offer before you know the full extent of your injuries
• Asking for a recorded statement
• Asking for a blanket medical authorization
• Delaying the claim to pressure you
• Disputing the necessity of your treatment

What You Should Do

Be polite, keep it brief, and refer them to your attorney. You don't have to handle any of this yourself.

Red Flags in an Offer

If the adjuster is in a hurry, they know something you don't. A rushed offer usually means your case is worth more than they're offering.

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