How To Deal With an Insurance Adjuster After a Car Accident in Spokane, Washington

If you’ve been in a car accident in Spokane, you’re likely already facing stress from car repairs, medical bills, and time away from work. Then comes the call from the insurance adjuster. While insurance adjusters may sound friendly, one key fact is that they work for the insurance company, not for you. Their job is to minimize payouts, which often means offering less than what your insurance claim may truly be worth.

So how do you handle those conversations without jeopardizing your right to pursue fair compensation? At Albrecht Law, we help injured people navigate these exact challenges every day. Below are five practical tips on how to deal with an insurance adjuster after a car accident in Spokane, Washington.

1. Take a Breath Before You Talk

The first phone call often comes quickly, sometimes within 24 hours of your accident. Insurance adjusters may ask for a recorded statement or try to get you to discuss details before you’ve even seen a doctor.

What to Do:

• Politely decline to give a recorded statement without speaking to a Spokane personal injury attorney first.
• Keep your comments brief: confirm that an accident happened, give the date, and let them know you are receiving medical treatment.
• Avoid sharing details about fault or the extent of your injuries.

2. Be Careful What You Say About Your Injuries

Injuries like whiplash, concussions, or soft tissue damage don’t always show signs right away. One common tactic is for insurance adjusters to ask how you’re feeling. If you casually reply, “I’m fine,” they may use that later to argue you weren’t really injured.

What to Do:

• Stick to the facts: “I’m receiving medical treatment and following my doctor’s advice.”
• Don’t speculate about how long recovery will take.
• Let your medical records and your attorney speak for you.

3. Don’t Rush Into Accepting a Settlement

The insurance company may offer a quick settlement, hoping you’ll take it before you realize the full cost of your injuries. While the money may be tempting, these early offers often don’t account for future medical bills, lost wages, or long-term care needs.

What to Do:

• Never sign or agree to anything without legal advice.
• Ask yourself: Does this settlement cover all my medical costs, time off work, and pain and suffering?
• Consult with car damage lawyers or a trusted auto accident law firm near me to make sure you aren’t leaving money on the table.

4. Gather and Keep Your Own Evidence

The claims process often leans in favor of the insurance company, but you can strengthen your claim with solid documentation.

What to Do:

• Take photos of the accident scene, vehicle damage, and visible injuries.
• Save medical bills, receipts, and proof of lost wages.
• Keep a journal of how the injury affects your daily life.

The more details you provide your Spokane personal injury attorney, the stronger your case will be when negotiating with insurance adjusters.

5. Get Professional Help Early

Insurance claims adjusters handle hundreds of claims each year and know how to protect their company’s bottom line. You need someone in your corner who knows their tactics and how to fight back.

Why choose Albrecht Law?

• We’ve written and published respected guides on Washington insurance law, and resources have even been cited by the Washington Supreme Court.
• We accept a limited number of cases, so every client receives personalized attention.
• Unlike many lawyers, we have experience at trial and appellate levels. If your case goes that far, we’re ready.

When you hire us, you’re not just hiring a lawyer. You’re gaining a team that understands both the law and the real-life challenges you’re facing. With the proper legal representation, you can level the playing field against auto insurance adjusters and make sure your voice is heard.

FAQs About Insurance Adjusters and Car Accidents

Q: Should I talk to the other driver’s insurance adjuster?

A: No. You can refer them to your attorney. Speaking directly can put your claim at risk.

Q: What if the adjuster pressures me to settle?

A: You have the right to take time, review your medical needs, and speak with a lawyer before making decisions.

Q: What should I do if the insurance adjuster asks for a recorded statement?

A: You are not required to give one without legal guidance. Recorded statements can sometimes be used against you later to reduce your claim. It’s best to politely decline and let your Spokane personal injury attorney handle communications on your behalf—even when the adjuster is from your own insurance company.

Let Albrecht Law Handle the Insurance Adjuster While You Focus on Healing

Feeling overwhelmed by medical bills and endless calls from insurance adjusters? At Albrecht Law, we’ll take over the stressful conversations and fight to pursue the compensation you need to recover. Because to us, our clients are more than just cases.

Call us today at (509) 495-1246(509) 495-1246 or complete our online form to schedule your free consultation. You don’t pay unless we win.

Copyright © 2025. Albrecht Law PLLC. All rights reserved.

The information in this blog post (“post”) is provided for general informational purposes only and may not reflect the current law in your jurisdiction. No information in this post should be construed as legal advice from the individual author or the law firm, nor is it intended to be a substitute for legal counsel on any subject matter. No reader of this post should act or refrain from acting based on any information included in or accessible through this post without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer licensed in the recipient’s state, country, or other appropriate licensing jurisdiction.

Albrecht Law PLLC
5105 E 3rd Ave, Suite 101
Spokane Valley, WA 99212
(509) 495-1246(509) 495-1246
https://albrechtlawfirm.com/