After a car accident or injury, one of the first calls you might receive is from an insurance adjuster. They may sound friendly, but their main goal is to protect the insurance company’s money—not your well-being. If you’ve been injured in Texas, especially in Houston, understanding how to deal with aggressive insurance adjusters can protect your rights and the value of your case.
What Do Insurance Adjusters Really Do?
An insurance adjuster investigates accidents and handles claims for the insurance company. Their job is to find reasons to reduce, delay, or deny compensation. Even if they act helpful, remember—they work for the insurance company, not you.
Many injured people don’t realize this and end up accepting unfair offers. The adjuster might downplay your injuries, pressure you into a fast settlement, or ask you to give a recorded statement that can later be used against you.
Recognize Their Tactics
Adjusters often push for a quick settlement. They know you’re in pain, missing work, and worried about bills. They may offer money right away to make the problem “go away.” But fast money often means less compensation than you deserve.
They might also try to confuse you with paperwork or demand unnecessary documents. Or they may ask questions that seem innocent but are designed to weaken your case later.
How You Should Respond
You don’t have to face this alone. Be polite but don’t go into detail. Never admit fault or say you’re “feeling better.” That can damage your claim. Also, never agree to a recorded statement without legal advice.
Instead, keep your communication short and direct. Tell the adjuster that you’re consulting a personal injury lawyer before answering questions or signing anything.
Why a Lawyer Makes the Difference
An experienced personal injury attorney knows how to handle insurance adjusters. They know every trick, every tactic, and every law that applies to your case. When you have a lawyer, the adjuster must speak to your attorney, not you. That protects you from saying something that could hurt your case.
At McCray Law Firm, we’ve seen how insurance companies try to take advantage of injury victims. We handle those calls, so you don’t have to. Our job is to fight for the compensation you really deserve, not just what the insurance company wants to pay.
We understand Texas personal injury law, and we use it to level the playing field for our clients. Whether you’re dealing with a car accident, a slip and fall, or an 18-wheeler crash, we’re here to help you protect your rights.
When to Call Us
The best time to contact us is before you speak with the insurance company. If you already have, don’t worry—we can still help. If you’re being pressured or confused by paperwork, or if your claim has been denied or delayed, we can step in.
At McCray Law Firm, we offer a free consultation to help you understand your rights and your options. You don’t pay us unless we win your case.
Don’t Let the Insurance Company Decide What You Deserve
You’ve been through enough. Dealing with injuries, bills, and stress is hard enough without fighting an insurance company. Let us take that weight off your shoulders.
McCray Law Firm is here for injury victims in Houston and across Texas. We treat every client like a person, not a case file. We communicate clearly, act fast, and fight hard to get the best possible outcome for you.
Visit our website or call us today to schedule your free consultation.
FAQs: Dealing with Insurance Adjusters in Injury Cases
- What should I do if the insurance adjuster keeps calling me?
If an adjuster keeps calling, politely tell them you’re seeking legal representation. Once you hire a personal injury attorney, all communication should go through your lawyer to protect your claim. - Can I trust the insurance company’s offer?
Usually, no. Early offers are often lower than what your case is worth. These offers are meant to close the claim quickly before full damages are known. Always consult a lawyer before accepting any settlement. - Is it okay to post about my accident on social media?
No. Insurance adjusters may monitor your public posts. Photos or comments that seem harmless can be used to argue your injuries aren’t serious. - What if the adjuster says I don’t need a lawyer?
That’s a red flag. Insurance companies prefer you stay unrepresented so they can control the process. You always have the right to legal advice, and it usually leads to better outcomes. - How long do I have to file a personal injury claim in Texas?
In most cases, you have two years from the date of the injury to file a claim. But the sooner you act, the better your chances of protecting important evidence and building a strong case.