When a Florida insurance adjuster calls after an injury

Find out whose insurer is calling

An adjuster may represent your own insurance company or another person's or business's insurer. It is reasonable to ask which company they work for and whom that company insures. What you may be required to do can differ depending on the answer and on your policy.

Write down the basics

• The adjuster's name, company, phone number, and email.
• The claim number they give you, kept in your own records.
• The date and time of the call and a short summary of what was discussed.

Stick to what you know

If you are asked about injuries or treatment you are unsure about, it is reasonable to say you do not know yet rather than guess. You can also ask the adjuster to send questions or requests in writing, so you have a record.

Recorded statements

Whether you must give a recorded statement is not the same in every situation. Obligations differ by policy and by caller. Review your policy, or ask a licensed Florida lawyer, before deciding.

What the Florida Department of Financial Services says

The Department's consumer assistance page recommends contacting the insurance company first, keeping detailed records, and gathering documentation. The Department can help consumers understand an insurance policy, but it cannot provide legal advice and cannot determine fault or the value of a claim.

If you want a lawyer to look at it

The car accident intake page and the broader Florida injury help page accept requests at any time. We do not assess fault, coverage, or value. If a participating Florida lawyer is eligible and available, your request may be introduced to them; contact is not guaranteed or immediate. For more on records, see organizing your injury records.