How Insurance Adjusters Review Injury Claims

## Short Answer

Insurance adjusters investigate injury claims by reviewing documentation, assessing liability, evaluating damages, and calculating a settlement offer. Their goal is to resolve the claim for the insurer — which means they are not neutral evaluators working in your favor.

Who Adjusters Work For

Insurance adjusters are employed by or contracted to insurance companies. Their job is to investigate claims, determine coverage, assess liability and damages, and recommend settlements. Even when they seem friendly and helpful, their primary obligation is to the insurance company.

How Adjusters Investigate a Claim

Adjusters typically review the police or incident report, examine medical records and bills, inspect property damage, conduct interviews with involved parties, and may visit the accident scene. They assess fault and evaluate whether the policy covers the claimed losses.

How Adjusters Evaluate Damages

Adjusters calculate economic damages such as medical bills and lost wages using documentation you provide. They also evaluate non-economic damages — pain and suffering — using formulas or software. These formulas often produce lower estimates than what an experienced attorney might negotiate.

Recorded Statements

Adjusters often ask for a recorded statement early in the process. You should understand that your statement can be used against you later if it contradicts your account in any way. Consider consulting an attorney before giving a recorded statement, especially for serious injuries.

Common Adjuster Tactics

Adjusters may request additional documentation to delay the process. They may suggest your injuries are pre-existing or unrelated to the accident. They may make a quick, low settlement offer before you know the full extent of your injuries. They may use friendly conversation to elicit statements that minimize your damages.

How to Respond Effectively

Keep all communications in writing when possible. Do not accept the first settlement offer without evaluating whether it covers all your damages including future medical costs. If the adjuster's offer seems unreasonably low, consult a personal injury attorney before accepting.

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*This article is for general informational purposes only and is not legal advice. Consult a licensed attorney for advice specific to your situation.*