If you’ve been in a crash and the at-fault driver’s insurance company is calling, you may be wondering what you can say. The short answer: yes, you can talk to the property damage adjuster, but you need to be careful about what you discuss. Speaking with a Louisiana car accident lawyer before this call can help you understand your rights and avoid saying something that could hurt your claim.
What You Can Talk About
You are allowed to speak with the at-fault insurance company’s property damage adjuster, but only to discuss the evaluation of your property damage and setting up a rental car if needed. That means it’s okay to ask where you need to bring your car for photos or an inspection. You can also ask how to get a reimbursed for a rental while your vehicle is being repaired or replaced.
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FREE Confidential Case Review (985) 240-9773Property Damage vs. Bodily Injury: Know the Difference
The insurance company may be calling about your property damage, but they might try to shift the conversation toward your bodily injury claim. These are two separate parts of your case. You can talk to the adjuster about getting your car fixed or setting up a rental, but you should not discuss your injuries, pain, or how the crash happened. That’s part of your bodily injury claim, and it needs to be handled carefully to protect your rights.
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FREE Confidential Case Review (985) 240-9773What You Shouldn’t Talk About
Do not give a recorded statement or talk about how the crash happened. If the other driver’s insurer asks for a recorded statement or they’re “recording the call for quality control purposes”, you’re not legally required to provide one, and it can be used against you.
The adjuster may ask casual-sounding trick questions like:
- “How are you feeling today?”
- “Can you tell me what happened?”
- “Where were you headed when the crash happened?”
Even if the questions seem friendly or harmless, you should politely let them know you’re only talking about the property damage and rental process. You don’t need to explain anything about the crash itself, your injuries, or how you’re feeling.
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FREE Confidential Case Review (985) 240-9773Why This Matters
The at-fault insurance company is looking out for their own interests, not yours. What you say can be used later to lower the value of your claim. That’s why it’s important to keep the conversation limited to logistics only.
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FREE Confidential Case Review (985) 240-9773What to Do If You’re Pressured
If the adjuster keeps asking about the crash or makes you feel uncomfortable, stop the conversation and let LJBLegal know right away. Our team knows how to deal with these situations and will protect your rights while working to get your vehicle repaired and your full claim handled properly.
Still Have Questions?
Dealing with insurance companies after a crash in Louisiana can be stressful. LJBLegal helps people every day who are in your shoes. If you’re unsure what to say or feel like you’re being pushed into something, reach out to us. We’re here to help you understand your options and get the support you need.
Bottom line: You can speak to the property adjuster, but keep the conversation only about property damage and rentals. Say nothing about how the crash happened or your injuries.
