What Should I Do If An Insurance Company Contacts Me After My Injury?

Remain Calm and Polite, But Guarded

It’s okay to answer the phone but keep the conversation brief. Be courteous—but understand that the adjuster’s primary job is to save the insurance company money, not help you maximize your injury claim.

Tip: Don’t assume the person calling is from your insurance company. It could be the other party’s insurer trying to get information they can later use against you.

Do Not Give a Recorded Statement

One of the most common tactics insurance adjusters use is asking for a recorded statement. You are not legally required to provide one, especially not right away—and it can hurt your case.

Anything you say, even innocent comments like “I’m feeling okay,” could be used to argue that your injuries aren’t serious.

Instead, politely decline and say something like:

“I’m not comfortable giving a recorded statement at this time. I’d prefer to speak with my attorney first.”

Don’t Discuss Fault or Details of the Accident

Avoid getting into a discussion about:

  • Who was at fault

  • What you were doing before the accident

  • How fast you were driving (in car accident cases)

  • Exact details of your injuries

Even seemingly harmless statements can be twisted or taken out of context to reduce your compensation.

Do Not Accept Any Early Settlement Offers

If the insurance company offers you money early in the process, be very cautious. This is often a tactic to get you to settle before you understand the full extent of your injuries or legal rights.

Once you accept a settlement:

  • You may have to sign a release, giving up your right to any future compensation—even if new injuries or expenses arise later.

  • You may not be able to re-open the claim or sue later.

Bottom line: Never accept a settlement offer without first consulting a personal injury attorney.

Limit What You Share—Especially on Social Media

Anything you share with the insurance company—or post online—can be used to question your injuries or contradict your claim.

  • Don’t send medical records unless your lawyer advises you to.

  • Avoid posting about your accident or injuries on Facebook, Instagram, or TikTok.

Insurance companies sometimes monitor social media activity looking for reasons to deny or minimize claims.

Contact a Personal Injury Lawyer Immediately

Even if the claim seems straightforward, having an expert attorney from Williams Law, P.A. early on can:

  • Protect you from manipulative tactics

  • Handle all communication with the insurer

  • Ensure your injuries and expenses are fully documented

  • Maximize your compensation

Protect Yourself First

When an insurance company contacts you after your injury, it’s not just a friendly follow-up—it’s the start of their investigation, and potentially, an effort to limit what they pay you.

Before you say too much or agree to anything, protect yourself.

  • Be cautious
  • Don’t give recorded statements
  • Don’t accept early offers
  • Speak with a personal injury attorney

Injured and Getting Calls from Insurance Companies?

We can help. At Williams Law, P.A., we’ve helped countless injury victims in Florida stand up to insurance companies and recover the full compensation they deserve. Call us at 1-800-451-6786 or fill out our online contact form