When the Insurance Adjuster Calls
Short answer: The other driver's adjuster works for their insurance company, not for you. Be polite and brief: confirm who you are and when and where the wreck happened, then say you won't give a recorded statement or sign anything until you've finished treatment or talked to a lawyer.
A simple script
"I can confirm my name and that the wreck happened on [date] at [place]. I'm still being treated, so I won't discuss injuries or give a recorded statement right now. Please send any requests in writing."
Five things to avoid
- A recorded statement for the other insurer. You aren't required to give one.
- "I'm fine." Pain often shows up later. See delayed symptoms.
- Talking about fault. In Texas, more than 50% fault bars recovery (§33.001).
- Signing a release or medical authorization before a lawyer reads it. A release usually ends the injury claim.
- Taking the first offer before you know how you're healing. Early offers can come before delayed injuries are known.
Your own insurer is different
Your policy likely requires you to report the wreck promptly and cooperate, so do call them. Keep it to the facts.
Adjusters sometimes say lawyers aren't worth it. Here's what the research says. Back to who pays.
Talk to someone about your Granbury wreck
Ask for a free case review from a participating injury law firm. No cost, no obligation, and wrecks anywhere in Texas qualify.