Navigating the aftermath of a car accident can be confusing, especially when insurance companies start calling. One of the first people to reach out will likely be the insurance adjuster representing the other driver’s company. While they may seem polite and helpful, their job is not to look out for your best interests. Talking to an insurance adjuster without legal representation can seriously jeopardize your claim. At Noakes Law Group, we strongly advise all clients to avoid these conversations and redirect any adjusters to our experienced legal team. Protecting your rights starts with knowing when to stay silent and when to seek professional guidance. Here’s why staying quiet matters — and how we step in to safeguard your claim.
Understanding the Role of the Insurance Adjuster
Insurance adjusters are not neutral third parties. Their job is to save the insurance company money by minimizing the payout on your claim. They are trained to gather information that can be used against you later in the process.
What Insurance Adjusters Are Trained to Do
Insurance adjusters often come across as friendly and supportive, but their primary goal is to collect statements that limit liability. They are listening for inconsistencies, partial admissions of fault, or anything that can be interpreted as minimizing your injuries.
They may ask open-ended questions, encourage you to speculate about the accident, or push you to agree to a recorded statement — all tactics designed to trap you into saying something that can later be used to reduce or deny your claim.
The Danger of Giving a Statement
Even innocent statements can be used against you. For example, saying “I’m fine” on a recorded call can be used to argue that your injuries aren’t serious. Describing how the accident happened in your own words — without the benefit of legal advice — could unintentionally shift fault onto you.
Once a statement is made, it’s very difficult to walk it back. The insurance company will treat your words as evidence, even if new facts later come to light.
How Speaking to an Adjuster Can Hurt Your Case
Talking to an insurance adjuster before consulting with a lawyer is one of the most common — and costly — mistakes car accident victims make. Here’s how it can affect your case.
You Could Jeopardize Liability
In Kentucky, even a small percentage of fault attributed to you can reduce your compensation. Insurance adjusters know this and will probe your statement for any signs you might have contributed to the accident. If they succeed, your recovery could be reduced or denied altogether.
You Could Undervalue Your Injuries
Adjusters may pressure you to settle quickly, before the full extent of your injuries is known. Once you accept a settlement, you typically can’t ask for more money — even if you later need surgery, rehabilitation, or long-term care. Speaking to the adjuster gives them an early opportunity to push a lowball offer.
You May Miss Critical Legal Protections
There are rules in place that govern how and when insurance companies can collect information. By working with an attorney, you ensure that any communication is done on your terms, not theirs. Letting your lawyer handle these conversations protects you from manipulation and helps you build a strong, well-documented claim.
Let Noakes Law Group Handle the Insurance Company
You don’t have to take on the insurance company alone. At Noakes Law Group, we step in as your legal shield from day one, ensuring no insurance company gets a chance to twist your words or take advantage of your situation.
Our Approach to Insurance Communication
From the moment you hire us, we take over all conversations with the insurance company. We notify all parties that we are representing you and direct them to communicate with us directly. This means no surprise calls, no pressure, and no risk of accidentally saying the wrong thing.
We manage every step of the process — from filing claims and gathering evidence to negotiating fair settlements. We also ensure that all paperwork is accurate, timely, and complete, reducing delays and increasing your chances of maximum compensation.
We Know the Tactics and How to Beat Them
Our team has decades of experience handling insurance adjusters. We know how they think, how they operate, and how to counter their strategies. Whether they’re trying to deny liability or minimize your medical costs, we push back with facts, legal knowledge, and relentless advocacy.
By letting us take the lead, you’re leveling the playing field and protecting your right to fair compensation.
Why Silence is Your Strongest Tool
After a crash, emotions run high. You may feel pressure to respond to calls or explain what happened. But staying silent isn’t avoidance — it’s protection.
What to Say If an Adjuster Calls
If you receive a call from an insurance adjuster, politely say:
“I’m currently being represented by legal counsel. Please direct all questions to my attorney at Noakes Law Group.”
Do not provide details, speculate about the accident, or agree to any recordings. Write down the adjuster’s name and contact information, and pass it along to our office.
Let Us Speak for You
When you’re recovering from an accident, you shouldn’t have to worry about being taken advantage of. Redirecting adjusters to our team ensures you don’t fall into any legal traps or sign away your rights too soon.
We speak on your behalf with confidence and clarity — and we won’t let insurance companies get away with anything less than what you deserve.
Trust Noakes Law Group to Protect Your Future
Insurance companies may seem helpful at first, but they’re not on your side. Speaking to an adjuster without legal support can put your claim — and your recovery — at risk. At Noakes Law Group, we make sure your voice is heard the right way, at the right time. Our job is to fight for you, every step of the way. From shielding you from harmful insurance tactics to maximizing your compensation, we are your dedicated partner through this difficult time. If you’ve been in a car accident, don’t talk to the insurance company — talk to us. Contact Noakes Law Group today for a free consultation and let us protect your rights from the start.