Skip to Main Content
Contact US


(713) 804-8149

Being injured in an accident is traumatic enough without having to fight with insurance companies over fair compensation. But negotiating with adjusters is often unavoidable after a crash. Interacting with insurers requires skill and thorough preparation to maximize your settlement.

This comprehensive guide covers key strategies for handling insurance adjusters after an accident and securing full damages.

How To Deal With Insurance Adjusters Tip #1: Promptly Report Your Accident And Document All Injuries

When coming up with strategies on how to deal with insurance adjusters, following the claims process is a strategy you must never overlook. This is because following the laid down procedure limits the effectiveness of some of the dirty tactics insurance adjusters may want to use against you.

Contact your own insurer and the at-fault driver’s insurance company to report the accident right away. Prompt notification demonstrates you’re organized and serious about actively pursuing a personal injury claim. Many insurers view injury reports filed long after an accident occurred with skepticism.

Call the insurance companies as soon as possible after seeking initial medical treatment. Provide basic details like the date, time, and location of the accident, a brief factual description of how the crash happened, and a list of any visible injuries or areas of pain. Avoid speculating about who was at fault or making any statements accepting blame. Simply state the facts – you were involved in an accident and plan to pursue personal injury compensation through insurance channels.

Insurance companies keep records of accident reports, so calling promptly helps establish an official timeline showing you did not delay taking action. During the call, get the name and contact information for the adjuster who will be assigned to your claim. Follow up the phone call by submitting the accident report details in writing. Send a letter reiterating the basics of when and where the accident happened, listing injuries incurred, and your intent to file an insurance claim. Request a written confirmation of receipt from each insurance company.

Having documentation that you contacted the insurers quickly, provided initial details, and followed up in writing will help substantiate the validity and seriousness of your claim later on if there are any disputes about timelines or delays, and will make working with an insurance adjuster less stressful.

How To Deal With Insurance Adjusters Tip #2: Seek Prompt Medical Attention for a Complete Diagnosis

Even minor pains after an accident warrant prompt medical evaluation and thorough documentation. Seeing a physician right away proves to insurers you are not exaggerating relatively small injuries just to file an inflated insurance claim.

Get checked out at an emergency room or urgent care clinic immediately following the accident if feasible. Describe all symptoms and pains, even those that seem minor. If the crash happened at night or on a weekend when doctors are not readily available, get examined as soon as possible on the next business day.

Primary care doctors, specialists, physical therapists, chiropractors, and other medical professionals you follow up with should completely document your symptoms, diagnoses, treatment recommendations, and prognosis in your medical records. Give a full account of all aches, pains, limitations, headaches, cognitive issues, and other problems you are experiencing when describing your condition and medical history. Answer provider questions candidly and comprehensively. Follow up on all specialist referrals, prescribed physical therapy, medications, or other treatments completely as directed.

Thorough contemporaneous medical records serve as strong evidence of the nature and extent of your injuries later when negotiating your insurance claim and in court if litigation becomes necessary. Insurance companies often accuse injury victims of having only subjective soft tissue injuries if they delay seeking medical treatment or fail to consistently follow medical advice. Complete records that document even minor pains immediately after an accident and throughout follow-up treatment tell a compelling story about the true extent of accident injuries, and is thus an effective strategy as far as the question of how to deal with insurance adjusters is concerned.

How To Deal With Insurance Adjusters Tip #3: Maintain Well-Organized Records Related to the Accident and Injuries

Insurance companies will request lots of documentation when evaluating your claim. Keeping detailed, clearly organized records makes this paperwork exchange process much easier to manage.

Important paperwork and evidence to maintain includes:

  • The police report detailing the accident – make sure it contains all relevant facts.
  • Medical records from all providers outlining diagnoses, treatment plans, test results, and prognoses. Maintain complete documentation from initial ER visits through follow-up appointments even months later.
  • Itemized receipts for all medical expenses related to the accident, including doctors appointments, surgical procedures, hospitalizations, prescription medications, medical equipment, and transportation for treatment.
  • Physical therapy or chiropractic notes showing duration and frequency of treatment.
  • Employer pay stubs or documentation of FMLA leave showing all time missed from work due to the accident injuries.
  • A log recording how the injuries impair activities of daily living, like restrictions lifting groceries, playing with children, exercising, performing household chores, engaging in hobbies, and accomplishing other tasks.
  • Detailed accounting of how pain, mobility restrictions, fatigue, cognitive problems and other symptoms limit your participation in social functions and recreational activities.
  • A journal documenting your emotional struggles coping with post-accident trauma, pain, disability, and lifestyle disruptions.

Such meticulous documentation helps claims adjusters fully understand how the accident profoundly impacted all aspects of your life. Disorganized claimants risk being accused of exaggerating or inflating their cases. Always make multiple copies and backups of anything submitted to insurers in case original records get misplaced.

How To Deal With Insurance Adjusters Tip #4: Consult with Seasoned Houston Personal Injury Attorneys

Having an experienced Houston injury lawyer thoroughly evaluate your case and advocate for you during insurance negotiations makes a tremendous difference in claim outcomes. Insurance adjusters understand that seasoned legal professionals have the expertise to maximize the value of valid injury claims.

Car accident cases involve complex legal concepts like duty of care, negligence, recklessness, liability, contributory negligence, statutory violations, vicarious responsibility, and other factors impacting who was at fault. Personal injury law firms are well versed in these nuisance legal issues governing accident compensation under Texas law that apply to your claim. They also keep up with the latest case law precedents that could influence your case.

Reputable personal injury attorneys can deal with even the most unreasonable, aggressive, and obstinate claims adjusters on your behalf so you can focus your time and energy on recovering from the physical, emotional and psychological trauma of the accident.

Most top-rated Houston personal injury law firms work on a contingency fee basis, meaning legal fees and costs only come out of any insurance settlement or court award ultimately secured for you. Initial consultations are also typically free, giving accident victims an opportunity to discuss their situation to determine if professional legal representation aligns with their goals without risk or obligation. When huge insurance payouts are on the line, at least exploring your options with accomplished personal injury attorneys is wise.

Have an Attorney Prepare a Demand Letter Quantifying Damages

Your personal injury law firm can prepare a formal written demand letter to the insurance company requesting full compensation for all your accident-related losses and damages. This demand package serves as irrefutable evidence establishing both the at-fault driver’s liability and the extent of damages you sustained. It typically contains:

  • Complete medical records since the accident and itemized bills demonstrating the full scope of medical treatment deemed necessary by doctors, surgeons, hospitals, and other healthcare experts.
  • Written statements from eyewitnesses who can attest to circumstances surrounding the crash. Their accounts may clarify negligence or responsibility issues.
  • Photographs depicting property damage, injuries, surgical scars, and other tangible evidence.
  • The official police report detailing investigative findings about factors contributing to the collision.
  • Pay stubs, tax returns, profit and loss statements, and other documentation evidencing lost income resulting from inability to work after the crash.
  • A summary conveying both the physical and emotional pain and suffering caused by the accident injuries.

This comprehensive demand letter commences the negotiation process by quantifying reasonable personal injury damages that align with your tangible losses. Expect the insurance company to take several weeks or longer to analyze your demand package before making the initial counteroffer.

How To Deal With Insurance Adjusters Tip #5: Negotiate Assertively But in Good Faith

When bargaining with insurers, approach negotiations assertively but also with realistic expectations. Demonstrate you aim to receive fair compensation proportionate to actual documented losses, not maximum dollars regardless of whether evidence supports the amount.

Cooperate fully and promptly with all adjuster requests for additional records and paperwork related to the claim. However, do not simply acquiesce to unreasonable demands for overly invasive personal records that seem only marginally pertinent at best. Politely stand your ground while also displaying eagerness to provide relevant claim documentation.

Avoid any exaggerations or misrepresentations of the medical facts, accident circumstances, or degree of liability. Making false statements or concealing relevant information could constitute insurance fraud. Answer adjusters’ questions completely and candidly. If they inquire about something you do not specifically recall, say so outright rather than speculating or making up facts.

Highlight the most compelling evidence from your medical chart showing the injuries prevent you from working and participating in normal daily activities. Quantify income losses with supporting paperwork like pay stubs. Emphasize recommendations for surgery and significant future medical costs when advocating for higher claim payouts, rather than citing only subjective pain reports.

Basically, demonstrate your tangible losses warrant the amount you seek using documentation. Avoid citing arbitrary round dollar amounts without evidentiary basis. With reasonable, well-supported demands, insurers have less room to accuse you of inflating the claim.

How To Deal With Insurance Adjusters Tip #6: Recognize Common Insurance Negotiation Tactics

Familiarize yourself with common insurer tactics and be prepared to counter them appropriately:

  • Delay responding – Adjuster delays are frequent early negotiation ploys hoping you will accept low initial offers just to receive funds quickly. Be patient. Promptly send periodic follow-up emails politely checking on the claim status until the insurer engages.
  • Quick lowball offers – Insurers often extend very low initial counteroffers, even just a few thousand dollars on serious injury claims. This establishes a low starting point for them to incrementally negotiate up from. Avoid accepting unreasonably insufficient early offers. A qualified Houston personal injury attorney can advise if an amount seems fair considering your circumstances.
  • Pressuring quick settlements – Adjusters may cite bureaucratic processes and try pressuring claimants to accept initial offers quickly before realizing full losses. Do not let insurers rush you into premature settlements. Take time to quantify all costs and losses before negotiating a final settlement.
  • Questioning treatment – Insurers often characterize treatment as excessive or unnecessary to reduce medical expense payouts. Be prepared to defend why your doctor-prescribed treatment aligns with protocols for your type injuries. Have your physician provide a statement explaining why care met medical necessity standards.

Staying calm but assertive, maintaining honest clear communication, and quantifying losses with evidence counters common insurer tactics. With preparation and legal guidance, you can aim for fair insurance claim resolution.

How To Deal With Insurance Adjusters Tip #7: Evaluate Any Final Settlement Offer Carefully

After extended back-and-forth exchanges and negotiations, the insurance company will eventually present a final settlement offer. Do not feel pressure to immediately accept what the adjuster insists is their last and best offer no matter how wearying negotiations become. Discuss the proposed settlement amount thoroughly with your Houston personal injury attorney before officially responding. Key considerations include:

  • Does the final offer seem to reasonably cover all documented accident-related losses and damages?
  • Are any significant costs omitted from the calculations, such as anticipated future expenses for additional surgery, physical therapy, home healthcare, wheelchairs or other medical equipment, prescription drugs, modified vehicles, etc?
  • Does the offer cover hard-to-quantify damages like loss of companionship if injuries curtail involvement in family activities?
  • Does accepting the offer waive rights to any future compensation if your condition deteriorates or new medical problems emerge related to the accident injuries?
  • Is the offered amount mysteriously lower than earlier adjuster estimates or does it contain deductions never previously discussed?
  • Does the settlement impose artificial time pressure, shrinking the amount if not accepted within an unreasonably short period? Limited-time offers may be manipulative negotiation tactics rather than real deadlines.

Carefully scrutinizing final settlement deals is crucial. What appears satisfactory initially may have disastrous unforeseen consequences. There is no one-size-fits-all answer when deciding whether to accept an insurer’s final offer. You must carefully weigh the benefits and risks of settling versus rejecting their final terms and continuing negotiating or initiating personal injury litigation. An accomplished Houston accident attorney can provide invaluable guidance.

How To Deal With Insurance Adjusters Tip #8: Read All Paperwork Carefully Before Signing

Closely examine and understand any settlement contract before signing and returning the paperwork. Reputable Houston personal injury lawyers will review agreements paragraph by paragraph with clients to prevent misunderstandings. Verify that:

  • The settlement amount matches what you already verbally negotiated. Confirm no deductions or reductions were added without your knowledge.
  • The release of liability and non-disclosure provisions apply narrowly to only the liable insurer and driver, not other potentially responsible parties you may need to pursue legal action against.
  • The agreement covers compensation for both any current accident-related losses and reasonably foreseeable long-term accident-related costs. An open-ended settlement that leaves room for additional future claims if your condition worsens may be possible.
  • Payment schedules align with your financial needs and expected recovery timeline. Obtain clear written schedules.
  • You are not agreeing to conceal information or evidence about the accident from other future legal proceedings against additional potentially liable defendants. Such suppression of facts could be against the law.

Additionally, scrutinize the wording on settlement check endorsements carefully. Insurance companies often print a statement that depositing or cashing the check represents formal agreement to the terms and amount of the settlement offer. Avoid unintentionally finalizing a settlement early, before you intend, by overlooking sneaky fine print. Only sign and deposit checks after all negotiations have fully concluded.

How To Deal With Insurance Adjusters Tip #9: Satisfy Any Liens Against the Settlement

Once insurance settlement checks fully clear into your personal account, you may need to pay any valid outstanding liens held against the proceeds. For example, healthcare providers, Medicare, Medicaid, the Department of Veterans Affairs, and certain other entities can place liens seeking reimbursement for accident-related medical and treatment expenses they originally paid on your behalf.

Notify lien holders promptly that you received a personal injury settlement. Provide documentation they require and submit reimbursement payments in compliance with lien statutes. Texas provides clear procedures for satisfying valid medical liens out of insurance payouts received. Having the best personal injury attorney in Houston to facilitate this process helps ensure you handle liens properly. Some settlement agreements make paying off pertinent liens a prerequisite to actually receiving the negotiated payout.

How To Deal With Insurance Adjusters Tip #10: Calculate Taxes Owed on the Settlement

You may also need to pay taxes on portions of your settlement depending on what the funds specifically cover. For instance, payment amounts meant to compensate for medical costs, lost wages, and other out-of-pocket expenses are generally taxable as ordinary income. On the other hand, compensation for emotional pain and suffering, disability, and future impairment is usually not taxable.

Determining what amount of your settlement must be reported to the IRS can be tricky. Work closely with your accountant or tax professional to calculate what you will owe. Ensure you set aside funds to pay tax liabilities rather than spending the full settlement and being stuck with a huge tax bill later on. Your Houston personal injury law firm may have trusted finance professionals they can recommend to provide guidance.

Why Hiring the Right Attorney Is Key When It Comes to How To Deal With Insurance Adjusters

As this overview illustrates, properly handling an insurance claim after getting hurt in an accident involves many legal and financial complexities. Having an accomplished Houston personal injury attorney watching out for you each step of the way provides critical insight and protection. The right personal injury lawyer has your back to ensure justice gets served by maximizing your claim value so you can move forward after an accident.

An attorney handles all the insurance paperwork hassles and battles so you can focus energy on healing and recovering from accident trauma. Additionally, reputable personal injury firms have the resources to thoroughly investigate liability facts. An experienced legal assessment of who, if anyone, may share fault and liability for the collision is invaluable. Their findings help identify all potential sources for compensation.

The right personal injury law firm also has knowledge of claims valuations and negotiation tactics to demand fair damages aligned with your losses. Attempting to face large insurers alone is daunting, but seasoned Houston personal injury lawyers level the playing field.

During your initial consultation, reputable Houston accident lawyers will discuss your case details and provide expert insights into your legal options at no cost. Understanding what an attorney feels may be realistically achievable gives you the information needed to make smart choices protecting your future.

When researching top personal injury firms in Houston, look for:

  • An extensive track record of securing large settlements for past clients, along with abundant positive reviews. Highly rated firms have a proven process to maximize claim values.
  • Substantial resources to thoroughly investigate who bears liability for the accident. Limiting defendants could shortchange your case value.
  • An aggressive yet strategic approach to get insurers to pay damages that align with losses. Lawyers should not cave to lowball offers.
  • Excellent communicators who listen, explain legal aspects understandably, and regularly inform clients about case developments.
  • Active involvement with respected legal groups like the Houston Bar Association. Such professional affiliations demonstrate a strong commitment to the local legal community and continuing education.
  • A reputation for compassionately guiding clients through the difficulties and stresses inherent with major injury cases. The best attorneys understand settling a claim does not instantly restore normalcy.

The right legal support is an important pillar in achieving fair injury compensation and should never be overlooked when coming up with practical solutions to the question of how to deal with insurance adjusters.  

Contact Us

Dealing with insurance adjusters is not easy. They tend to exploit every weakness they can with the sole purpose of ensuring that you do not get what you deserve. Hiring a skilled Houston personal injury lawyer is the best way to counter their ruthless strategies. Call us today at (713) 804-8149 or use our online contact form to ensure that you get all the help you need when dealing with insurance adjusters.

About the Author


Husain Law Firm

Nomaan K. Husain is the founder of Husain Law + Associates — Houston Accident & Injury Lawyers, P.C., a Houston-based law firm specializing in Litigation, Immigration, and Aviation. He is Board Certified in Civil Trial Law and Personal Injury Trial Law, with law licenses in Texas, New York, and other jurisdictions. Mr. Husain serves in key community roles, including as Commissioner on President Biden's White House Commission on Fellowships and Chairman of Houston's Asian American Pacific Islander Advisory Board. He's been recognized with several awards, such as the Global Leader Award from the Houston World Affairs Council.

Read More