How to Deal with Insurance Adjusters After a Car Accident in California
Posted on August 22, 2025 Written By: Chris Dibbern
Insurance Adjusters Work For The Insurance Companies; Not You
After a car accident in California, one of the first calls you may receive is from an insurance adjuster. While they might seem friendly and concerned about your well-being, it’s important to remember that insurance adjusters work for the insurance company—not for you. Their goal is to save the company money by minimizing your claim. Knowing how to handle conversations with insurance adjusters can protect your rights and ensure you don’t accept a settlement that is far less than what you deserve.
Avoid Giving Recorded Statements of Admitting Fault
When dealing with insurance adjusters in California, avoid giving recorded statements or admitting fault. Stick to basic facts about the accident, such as the date, time, and location, but do not discuss your injuries in detail until you’ve spoken with a doctor. Adjusters often use your words against you, so keeping communication limited and professional is key. Make sure to document all interactions in writing and keep copies of emails or letters. This paper trail can be crucial if disputes arise during the claims process.
Work With An Experienced Car Accident Attorney
The best way to deal with insurance adjusters after a California car accident is to work with an experienced personal injury attorney. An attorney can handle all communication on your behalf, negotiate for maximum compensation, and prevent you from being pressured into an unfair settlement. By letting a lawyer manage the insurance adjuster, you can focus on your recovery while ensuring that your medical bills, lost wages, and other damages are fully covered.
Walking The Legal Tightrope When Dealing With Insurance Adjusters
Dealing with insurance adjusters after a car accident in California can feel like walking a legal tightrope—especially when you’re trying to protect your rights and secure a fair settlement. Here’s a clear, strategic guide to help you navigate the process:
What Not to Do
- Don’t give a recorded statement
Insurance Adjusters often request one early on, but you’re not legally required to provide it to the other driver’s insurer. These recordings can be used to twist your words. - Never admit fault—even casually
Even saying “I’m sorry” can be interpreted as an admission of guilt. Fault is determined by evidence, not personal feelings. - Don’t sign blanket medical releases
These can give insurers access to your entire medical history, not just accident-related records. Always have a lawyer review any documents first.
What You Should Do
- Stick to the basics
If you must speak with an adjuster, limit your comments to the date, time, and location of the accident. Avoid discussing injuries or fault. - Document everything
Take notes during every interaction—names, titles, claim numbers, and what was said. This helps protect your version of events. - Let your attorney handle communication
Insurance companies are far more cautious when they know a legal expert is involved. California law allows you to have a lawyer speak on your behalf. - Be cautious even with your own insurer
You may be contractually obligated to cooperate, but that doesn’t mean you should overshare. Stick to facts and consider legal support.
Legal Leverage in California
California Insurance Code §790.03 prohibits deceptive practices by insurers—but insurance adjusters are trained to work within the law while minimizing payouts. Knowing your rights and having legal representation can dramatically shift the balance in your favor.
Post-Accident Insurance Adjuster Checklist (California)
Before You Speak to an Adjuster
- [ ] Gather all accident details (date, time, location, photos, witness info)
- [ ] Review your insurance policy and coverage
- [ ] Consult an attorney if possible—especially for serious injuries or disputed fault
- [ ] Prepare a brief, factual summary of the incident (no opinions or admissions)
When the Adjuster Calls
- [ ] Confirm their name, company, and claim number
- [ ] Keep the conversation short and factual
- [ ] Do not admit fault or speculate about injuries
- [ ] Decline to give a recorded statement
- [ ] Avoid discussing settlement amounts or medical details
Documentation & Follow-Up
- [ ] Take notes during every call or meeting
- [ ] Save all emails, letters, and voicemails
- [ ] Request all communications in writing
- [ ] Track medical visits, expenses, and missed work days
What to Avoid
- [ ] Don’t sign any documents without legal review
- [ ] Don’t accept the first settlement offer without evaluating damages
- [ ] Don’t share unrelated medical history
- [ ] Don’t rely solely on the adjuster’s interpretation of the law or fault
Legal Safeguards in California
- [ ] Know your rights under California Insurance Code §790.03
- [ ] Be aware of time limits for filing claims and lawsuits
- [ ] Consider filing a complaint if you suspect bad faith or unfair practices
Hire A Car Accident Lawyer Near You In California
If you or a loved one has to deal with insurance adjusters after an accident, the iAccident Lawyer strongly encourages you to call our California Personal Injury lawyers. Your experienced Injury Lawyer will provide you with the best legal representation and guidance that you need. Our offices are conveniently located throughout California and we conduct regular travels in the region to meet with clients. Contact an Accident Lawyer today.
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Christopher Dibbern has been working as a Attorney at Accident Attorneys’ Group for 7 years. iAccident Lawyer is part of the Law Firms & Legal Services industry, and located in California, United States.
iAccident Lawyer provides personal injury and accident related legal services for the entire state of California. The Group serves injury victims of numerous types of accidents such as car, truck, personal injuries, dog bites, slip and falls, and more.
Bachelor of Arts – Political Science and Government
California State University-Fullerton
University of San Diego School of Law
Doctor of Law
University of San Diego School of Law
