How should I deal with an insurance adjuster after a car accident?

I just got into my first car accident and I am nervous to talk to my insurance company. I don't know if I was at fault or not, and I don't want to say anything wrong. How should I deal with an insurance adjuster after a car accident?

Answer
You are not alone—everyone is nervous to talk with the claims department after an accident! But try not to worry. The best way to deal with a claims adjuster after an accident is to answer their questions directly and honestly.
Here are some questions they might ask:
  • What time and where did the accident occur?
  • What were the weather conditions?
  • Are there any witnesses?
  • Who was in the vehicle with you?
  • Was your view obstructed? If so, by what?
If you have collision coverage, the claims adjuster will then inspect your car for damage and issue payment for repairs. Remember, the adjuster is on your side. They’ll need to help determine fault, but your insurance company also wants the other driver’s provider to pay for as much of the damage as possible.
If your rate increases when your policy renews, know that every provider rates accidents differently. Exploring your options with Jerry is an easy way to make sure you’re getting the best rate on the coverage you need! A licensed broker, the Jerry app helps you find and compare quotes from over 50 top providers for free. Plus, it only takes 45 seconds to get started!
Shannon Martin
Answered on Nov 01, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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