Top 5 Questions Insurance Adjusters Ask After a Car Accident

After a car accident, it’s common to get a call from an insurance adjuster within hours or days. They may sound friendly and helpful, but their real job is to protect the insurance company—not you. Many accident victims don’t realize how much their words can impact a claim. Even casual answers to seemingly harmless car accident insurance questions can later be used to minimize or deny compensation, or worse, result in a denied insurance claim.

​Understanding what insurance adjusters ask after a car accident is helpful, but the most important thing to know is that how to deal with an insurance adjuster is something your attorney should guide you through. Below, we’ll cover some of the most common questions insurance adjusters ask after a car accident and why having legal support makes all the difference.

Top Questions Insurance Adjusters Ask After a Car Accident

1. “Can you tell me what happened?”

This is often the very first question, and it sounds harmless. But adjusters aren’t just gathering facts—they’re listening for anything they can use to shift blame. Without an attorney, people often say things like “I didn’t see the other car coming” or “it all happened so fast.”
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Car accident insurance questions can be tricky to answer on your own because even innocent-sounding statements can later be framed as an admission of fault. An attorney helps ensure that any statement given doesn't unintentionally hurt your case or, better yet, handles the statement entirely on your behalf.

2. “Were you injured?” or “How are you feeling now?”

This is one of the most misleading questions adjusters ask. Right after an accident, adrenaline can mask pain, and many injuries don’t show symptoms until days later. Common responses without legal guidance include “I feel okay” or “just a little sore.”

Insurance companies may later use these statements to argue that your injuries weren’t severe. A skilled personal injury lawyer will advise you on how to answer—or step in to communicate for you—so your medical condition is documented properly.

3. “Have you seen a doctor yet?”

This question often ties into the adjuster’s strategy to minimize your claim. If you haven’t seen a doctor yet, they may argue your injuries aren’t legitimate. If you have, they may push for details they can later dispute.

An attorney ensures that your medical treatment is protected from scrutiny and that insurers don’t twist gaps in treatment or early diagnoses against you. This is one of the biggest challenges accident victims face with insurance companies, especially when they are also navigating recovery.

4. “Do you mind giving a recorded statement?”

This is a major red flag. Many people feel pressured to agree, thinking they have no choice. If you were to ask us, "Can I refuse to answer insurance adjuster questions?" we will almost always advise you to do so. Once you hire a personal injury attorney, adjusters are directed to communicate through them instead.

5. “Are you willing to settle this quickly?”

Early settlement offers are rarely in your best interest. Insurance companies often make low offers before the full extent of injuries, lost wages, or future care is known. Without guidance, accident victims may say “I just want this over with” or “I don’t want to deal with this anymore.”
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An attorney evaluates whether a settlement truly covers your damages and negotiates aggressively to protect your long-term interests.

Need an Accident Injury Lawyer in North Hollywood or Los Angeles?

If you’re wondering— what questions will an insurance adjuster ask me?—the better question might be whether you should be answering them at all. While it’s helpful to understand the questions you’ll face, the reality is that these conversations are best handled with legal support.

If you need to consult with an attorney, call our law firm in North Hollywood to schedule an appointment. Since 1998, Yepremyan Law Firm has helped thousands of clients recover millions of dollars. Contact our office and have a personal injury attorney in Los Angeles advocate for your rights so you can focus on healing.

*No Legal Advice Intended. This website includes general information about legal issues and developments in the law. These materials have been prepared for general informational purposes only and are not intended to be legal advice. Please consult an attorney for legal advice pertaining to any particular legal matter. Use of and access to this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and Yepremyan Law Firm and any of its attorneys, employees, or associates.