Dealing With Insurance Adjusters in Indiana: What to Say and What to Avoid

The adjuster works for the insurance company, not for you. Politeness is not the same as being on your side. Everything you say can be used to reduce or deny your claim.

Remember Who They Work For

Avoid Recorded Statements

You are generally not required to give the other driver's insurer a recorded statement. These calls are designed to elicit admissions that increase your share of fault under Indiana's comparative-fault rule.

Do Not Accept the First Offer

Early offers are typically far below full value and often arrive before you know the full extent of your injuries. Once you accept and sign a release, the claim is over.

Be Careful With Social Media

Insurers monitor claimants' social media. A single photo can be twisted to suggest you are not really injured.

Let an Attorney Handle Communication

Once you have representation, the adjuster deals with your attorney. A free case review can take that pressure off you entirely.

This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Indiana attorney.