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Should I Talk to the Insurance Adjuster After an Accident? What Connecticut Drivers Need to Know

After a car accident, it might seem harmless to take a call from the other driver’s insurance company. In fact, many people think they’re required to speak with an insurance adjuster. The truth? You could be hurting your injury claim without realizing it.

Below we break down what Connecticut drivers need to know before talking to any insurance adjuster—and when it’s time to get legal protection.

What Is an Insurance Adjuster?

An insurance adjuster is trained to investigate accidents and determine how much money—if any—the insurance company should pay. While they might seem friendly on the phone, remember:

They work for the insurance company—not for you.

Why You Should Think Twice Before Speaking

They May Use Your Words Against You

Even casual statements like “I’m okay” or “I didn’t see them” can be twisted to deny or reduce your claim.

They May Pressure You Into Settling

Many adjusters offer quick, lowball settlements hoping you’ll accept before knowing the full cost of your medical care or damages.

They Might Ask for a Recorded Statement

Never give a recorded statement without a lawyer. You are not legally obligated to do this.

What Connecticut Law Says

In Connecticut, you’re only required to cooperate with your own insurance company. You are not legally obligated to speak with the other driver’s insurer. Doing so without guidance can jeopardize your claim.

What to Do If You’re Contacted

✔️ Get their name, company, and phone number

✔️ Be polite but firm: “I’m not comfortable speaking without my attorney.”

✔️ Contact a Connecticut personal injury lawyer immediately

We Handle the Insurance Companies So You Don’t Have To

At LA LAW, we deal directly with adjusters and insurance carriers so our clients can focus on healing. We’ve recovered millions for accident victims in Connecticut—even after the insurance company said “no.”