Why the insurance adjuster keeps calling you after an accident

After a car accident, you will probably get a call from the responsible party's insurance company. They will assign an "adjuster" to investigate your claim. In some cases, they will call you the same day or within a few days of the accident. You are under no obligation to speak to them, and I usually advise against it. They are calling you for several reasons. First, it's their job. That's what insurance adjusters do all day. They call people and interview them about accidents.

Second, they evaluate claims and make decisions regarding liability. Some do so in a very fair manner. Others are looking for any reason to deny your claim. Some will threaten you by saying they will "close their file" if you don't return their call (Don't worry about that....they can close their file, and it has nothing to do with your rights to bring a claim or a lawsuit). 

They might call you frequently at the beginning because they are busy "investigating" the case. In most cases, they will probably call you every 30 days. In most cases, adjusters need to check on each file every 30 days and eventually report to their supervisors regarding all cases assigned to them.  They are often evaluated on how they "move the cases forward" so they may grow impatient with you if you don't return their call. If you hire a lawyer, they aren't supposed to call you anymore.  They deal directly with the attorney's office. Therefore, the reason they call you all the time is because they have to do so. You don't have to talk to them. Be polite and civil to them at all times. Remember, at some point in the future, that very same adjuster might make you an offer on your case. You don't want to strain the relationship.

If you need help with your personal injury case or you want to discuss what's going on with the insurance adjuster, feel free to call us at (661) 414-7100.