The adjuster is friendly for a reason. Learn the tactics Kentucky insurers use, what never to say, and how to protect your claim from the first phone call.
Remember whose side the adjuster is on
Insurance adjusters are often genuinely pleasant, and that is by design. Their job, however, is to resolve your claim for as little as possible. Understanding their common tactics lets you protect yourself without being adversarial.
The recorded statement trap
Soon after a crash, the at-fault driver's insurer will often call asking for a 'quick recorded statement.' You are not required to give one, and you generally should not before speaking with an attorney. Adjusters are trained to ask questions designed to elicit answers that minimize their insured's fault or downplay your injuries.
An innocent 'I'm feeling okay' — said before delayed pain sets in, which is extremely common — can later be used to argue you weren't really hurt.
The fast, friendly lowball
A quick settlement offer can be tempting when bills are piling up, but early offers rarely account for future medical care or lasting effects. Once you accept and sign a release, you cannot reopen the claim if your condition worsens.
Social media and surveillance
Assume the insurer is watching your public social media. A photo of you smiling at a family event can be spun to suggest you aren't injured. It is wise to limit posting about your activities while a claim is pending.
How to protect yourself
Be polite but brief, stick to facts (date, location, that a crash occurred), decline recorded statements, don't accept early offers, and get medical care documented. Better yet, let an attorney handle communications so nothing you say is used against you.
A free review can put a professional between you and the adjuster. Call 973-566-5599.
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