The truth is that you should never speak directly to an adjuster right from the start. While the terms of your policy require you to work with your insurance company, that doesn't mean you have to deal with them personally. Just tell the insurance adjuster your full name, address and phone number. You can also tell them what kind of work you do and where you work.
But right now you don't need to explain or discuss anything else about your job, your schedule, or your income. The best way to talk to an insurance adjuster is to start with the truth. Remember that the call to the insurance adjuster is preliminary. If a claim leads to litigation, you may need to speak under oath.
And if you change your testimony under oath, you're not going to do well. After a car accident, the other insurance company will most likely contact you quickly and try to establish friendly contact. You're never required to talk to the other insurance company, and in most situations, you shouldn't. You don't need to go into details about your personal life with the insurance claims adjuster.
The only personal information they need from you is your full name, address and telephone number. You can tell them where you work and what your occupation is, but you don't need to go into details about your activities of daily living, hobbies, work hours, income, etc. Right now you don't need to explain or discuss more than that about your work, schedule or income, nor do you have to provide detailed information about your family or other personal information. More importantly, they allow you to settle for a small amount before you fully understand what your injuries are and how much your personal injury claim is worth.
That turns a conversation with you into an opportunity to seek information that would allow them to deny, delay, or underestimate your personal injury claim. It doesn't matter if it's a fire, a car accident, a personal injury claim, or a homeowner's insurance claim. When you talk to an insurance adjuster without your personal injury attorney, the appraiser will try to use your conversation in some way to deny or reduce your claim, or even intimidate you. They act quickly because it's a proven tactic to reduce valid personal injury compensation claims.
Most people are familiar with insurance claim adjusters after a car accident, but an appraiser will be involved every time an insurance company files a personal injury claim. For a step-by-step guide to the injury claim process after any type of accident, see How to Win Your Personal Injury Claim, by Joseph L.
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