After a car accident, you may be shaken, injured, and overwhelmed—then suddenly, the insurance company calls. It may seem like a helpful follow-up, but The Real Reason the Insurance Adjuster Is Calling You is rarely about concern for your well-being. Their job is to protect the insurance company's bottom line—not your recovery or your rights.
Understanding how insurance adjusters operate can help you avoid common mistakes that could damage your claim. At Kalfus & Nachman, our experienced Virginia car accident attorneys regularly protect accident victims from tactics designed to reduce or deny compensation.
Why Insurance Adjusters Want to Speak with You
Following a collision, an insurance adjuster's car accident investigation begins immediately. The adjuster is looking for any opportunity to limit the insurance company's financial exposure. They are trained to gather information—often from accident victims—before legal representation is involved.
The key thing to remember is simple: they are not on your side. Anything you say may be used later to lower the value of your claim or shift blame away from their insured driver.
- Tactic #1: Recording Your Statement
One of the first requests you may hear is, "We just need your recorded statement." Although this may seem ordinary, it can pose risks. Vague or casual phrases—like stating you "feel fine" or acknowledging some blame—can later be used to dispute your injuries or reduce liability.
If you are unsure about talking to insurance after a crash, the safest response is: avoid giving a recorded statement without legal advice.
- Tactic #2: Pressuring for a Quick Settlement
Insurance companies know that accident victims are often dealing with medical bills, lost wages, and stress. Adjusters use this to rush a fast settlement—often before the full extent of injuries is known.
Accepting an early offer might feel like relief, but once you settle, you waive your right to pursue additional compensation—even if your condition worsens later. This is a major pitfall when negotiating car accident settlement terms without professional guidance.
- Tactic #3: Downplaying Your Injuries
Adjusters may attempt to challenge injuries by suggesting that pain is "minor" or unrelated to the crash. They may question medical treatment timelines or rely on gaps in documentation to weaken your claim.
Their mission is simple: pay as little as possible—even if that means undervaluing your recovery needs. This is where having knowledgeable Virginia car accident attorneys becomes essential.
What Accident Victims Should Do Instead
The most effective step you can take is clear and straightforward:
Do not speak directly with the insurance adjuster—direct them to your attorney immediately.
An experienced legal team protects your rights by managing all communication, preserving evidence, and negotiating aggressively on your behalf. This ensures your statements are not misused and that any settlement reflects your actual medical and financial losses.
If you've been injured and are receiving calls from an insurance adjuster, do not face it alone. Contact Kalfus & Nachman today for a free consultation at 855-880-8163. Our trusted team of Virginia car accident attorneys serves clients statewide from offices in Newport News, Norfolk, and Roanoke, ensuring your voice is heard—and your rights are fully protected.