Interactive practice
Insurance adjuster call simulator
The other driver's insurer will probably call within days. Rehearse six of the questions they commonly ask and learn which answers protect your claim.
Hi, this is Dana from the other driver's insurance company. I'd like to get your side of what happened. Is it okay if I record this call?
How do you respond?
By Serdar Arslan, editor · Last reviewed · How we research
Three rules for any adjuster call
- Stick to facts you know: date, place, vehicles. Don't guess about speed, distances or fault.
- Don't minimize injuries and don't predict treatment. Say you're still being evaluated.
- Get offers and requests in writing, and don't sign releases or broad medical authorizations on the spot.
More in dealing with insurance adjusters and recorded statements.
Frequently asked questions
›Do I have to talk to the other driver's insurance adjuster?
Generally you aren't obligated to give the other driver's insurer a recorded statement. Your own policy usually does require you to cooperate with your own insurer.
›Why does saying 'I'm fine' matter?
Adjusters note what you say. A casual 'I'm fine' early on can later be used to argue you weren't injured, even if symptoms appear days later.
›Should I accept a quick settlement offer?
Accepting usually means signing a release that ends the claim permanently. Until you know your full medical costs and lost wages, it's hard to know whether an offer is fair.
›Are the adjuster questions realistic?
They reflect common topics in injury claim calls: recorded statements, how you feel, speed, distraction, medical authorizations and early offers. Real calls vary.
›Is this legal advice?
No. It's practice based on widely published consumer guidance. For advice on your situation, talk to a licensed attorney.