Adjusters are trained, friendly, and working to pay you as little as possible. Here's how to protect yourself.
Their Job Is Not Your Recovery
An adjuster's role is to limit what the insurer pays. Friendly questions about how you're feeling can become evidence that your injuries are minor. Recorded statements can be edited against you.
Common Tactics
Quick lowball offers before you know your prognosis, requests for blanket medical authorizations, delays designed to pressure you, and attempts to assign you fault under Colorado's comparative negligence rule are all routine.
What You Should and Shouldn't Say
Stick to facts: date, location, vehicles involved. Don't guess about fault, don't minimize your pain, and don't agree to a recorded statement for the other side without legal advice.
Let Your Attorney Handle Communication
Once you're represented, the insurer must go through your attorney. That alone removes enormous pressure and prevents the missteps that quietly shrink claims.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Colorado attorney.