What not to say to claim adjuster includes statements that could reduce or jeopardize your settlement. Do not admit fault or say it was my fault, sorry, or I should have, as fault should be determined by evidence not immediate emotion. Do not say I am fine or I am not injured if you have not been fully evaluated, because injuries can appear later and early statements can be used to minimize claim. Do not exaggerate damages or injuries, as dishonesty can void claim and be considered fraud. Do not speculate about facts you are unsure of, say I do not know rather than guessing. Do not agree to recorded statement without understanding rights, and do not agree to quick low settlement before knowing full extent of damages. Do not say you have no documentation or you threw away receipts, instead gather proof. Avoid saying you were distracted, speeding, or on phone at time of accident. Keep statements factual, concise, and focused on what happened, provide documentation, and avoid emotional language, threats, or saying you will hire attorney as threat, just handle communication professionally.
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