The 5 most important things you shouldn't say to an insurance adjuster are to admit your fault, say you're not injured, describe your injuries, speculate on what happened, or say something on the record. Trying to “hold on” after an accident or minimizing symptoms can be counterproductive. For one thing, the full extent of your injuries may not yet be evident. If you minimize your injuries from the start, the insurance company may doubt you later if your symptoms worsen.
In addition, you have the right to seek compensation for all your injuries and you must exercise that right without reservation. Minimizing your injuries only hurts you in the long run. You don't have to answer questions you're not sure about. If you don't know exactly what happened or you can't give a definitive answer on any aspect of the case, it's perfectly fair to say: “I don't know.
Being blind to the facts that you know 100% is without a doubt all the information you need to complete the initial call. If you have been in a car accident and have filed a claim with an insurance company, there is a good chance that you will soon be faced directly with an insurance claims adjuster.