The adjuster is already calling me. What do I say?
- Texas Attorney
- Yale B.A. · University of Houston Law Center J.D.
- Habla español
- Updated October 1, 2026
Nothing — send them to me. Recorded statements are used to shrink your claim. Once you hire Suerken Law, every call goes through your lawyer.
Tell me what happened
Jimmy reads every request himself and will be in touch with you shortly.
Why they called so fast
Insurers contact injured people early on purpose. The best moment for them is the moment you know the least: before you have a diagnosis, before you know whether you will need surgery, before you know whether you can go back to work, and before you have talked to a lawyer.
Everything you say in that window gets written into a file that will be used to value — and to argue down — your claim.
The script, and what each question is really for
"How are you feeling today?" Reflex says "I'm okay." That sentence is now in the file, and it will be produced later when you describe a serious injury. There is no good version of answering this question.
"Can I get a quick recorded statement?" You are not required to give one to the other driver's insurer. Ever. "Quick" is doing a lot of work in that sentence.
"Just sign this medical authorization." These are often written broadly enough to open your entire medical history, not the treatment for this crash. That is how a decade-old back complaint becomes their argument that your injury is pre-existing.
"We can get you a check today." An early offer arrives before anyone knows what your treatment will cost. Accepting it closes the claim permanently — including for the surgery nobody has recommended yet.
"Do you really need a lawyer for this?" They are not asking out of concern for your wallet.
What you can safely say
You do not have to be hostile, and you do not have to explain yourself. Confirm you were involved, give them an address for correspondence, and end it:
"I'm not giving a recorded statement and I'm not signing anything right now. My attorney will be in touch."
Then stop. You are not obligated to fill the silence, and adjusters are trained to let a pause do the work.
Your own insurer is a separate question
If the call is from your carrier about a UM/UIM or PIP claim, a flat refusal to cooperate can put your own coverage at risk. That does not mean answering whatever is asked on the spot — it means a statement that is scheduled, limited to the collision, and taken with your lawyer present. Reasonable conditions, not refusal.
After you hire a lawyer, this stops
Once you are represented and the insurer has notice, their contact goes to the firm. The calls to you stop. For most clients that relief is immediate and is the main thing they notice in the first week.
Your next steps, and ours
Say no, then stop talking
“No recorded statement, nothing signed, my attorney will be in touch.” Do not sign an authorization or accept a check they send.
Call Jimmy
713-600-6233They called early on purpose, before you have a diagnosis. A free call gets you advice before you say anything more to them.
We send notice of representation
The insurer is told you have a lawyer. From then on its contact goes to the firm, and the calls to you stop.
We review what they send
Medical authorizations, releases and early offers come to us first, so nothing broad or final gets signed before treatment costs are known.
Related questions
What if the driver who hit me in Houston has no insurance?
Do I have to give the insurance company a recorded statement?
The adjuster offered me a quick check. Should I take it?
The insurance company sent me a medical authorization to sign. Should I?
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¿Lastimado en un accidente? Hablemos — en español.
La consulta es gratis y confidencial. No paga nada a menos que ganemos su caso. Jimmy se comunicará con usted en breve. ¿Sin papeles? Usted tiene derechos.
Every day you wait, evidence disappears and the insurer gets ahead. One free call. Straight answers about your case — in English or Spanish. If you need a fighter, you'll have one, from the first call to the last check.