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

Should I Speak to the Insurance Company After My Injury?

It depends on who is calling.

  • If it’s your own insurance company, you typically must notify them of the incident and cooperate to some extent.
  • If it’s the other party’s insurer, you are not obligated to speak with them, and you generally should not without legal advice.

Rule of thumb: Speak to a lawyer before speaking to any insurance adjuster.

What Are Insurance Companies Trying to Do When They Call Me?

Insurance adjusters are trained to:

  • Minimize payouts
  • Find statements they can use against you
  • Settle quickly and cheaply
  • Get you to admit partial fault or downplay your injuries

They are not calling to help you. Their job is to protect the company’s bottom line.

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 immediately, and it can harm 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 were you 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.

How Can a Lawyer Help Me Deal with Insurance Companies?

An attorney will:

  • Handle all communication with the insurance companies
  • Protect you from tricks or pressure tactics
  • Gather and present strong evidence
  • Negotiate for the full compensation you deserve
  • File a lawsuit if the insurer refuses to make a fair offer

When an insurance company knows you’re represented, they take your claim far more seriously.

Protect Your Rights

Being contacted by an insurance company after your injury is stressful, but you don’t have to face it alone. An expert personal injury attorney can take over the communication, protect your interests, and help you recover the maximum compensation available under Florida law.

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