Why the Insurance Adjusters are not Your Friend

If you’ve been in a car wreck that wasn’t your fault, you’re likely overwhelmed. Medical bills, missed work, emotional distress—these are just the beginning. In the middle of all that stress, a friendly voice from an insurance company might give you a call, assuring you that they’re here to help and promising a quick car wreck settlement. But before you let that voice lull you into a false sense of security, you need to hear the truth: the insurance adjuster is not your friend.

Here’s why.

Insurance adjusters may sound sympathetic, but their job is to protect their employer—the insurance company. Even if they admit their driver was at fault, they will immediately begin calculating how to pay you the least amount they can get away with. They are trained professionals whose main goal is to settle your claim for as little money as possible. That means minimizing or outright denying the compensation you deserve. The quicker they get you to accept a lowball offer, the better it is for them.

When you’re hurt in a wreck, your losses go far beyond just your medical bills or your pain and suffering. At Jack Bailey Law Corporation, we believe in telling the whole story—your story. That means looking at how the wreck has affected your daily life and your future. Maybe you missed out on a promotion at work. Maybe you can’t play with your children like you used to. Maybe you can’t even sit through a church service anymore without your back seizing up in pain.

An insurance adjuster isn’t going to ask how it feels to miss your kid’s soccer game or how hard it is not being able to walk your dog. But we will.

After a wreck, you’re shaken, confused, and trying to put the pieces together. Insurance adjusters know that, and they’ll use it to their advantage. They might record your statement and look for any inconsistencies or innocent comments they can twist to reduce your payout. A simple “I’m feeling okay today” can be used to argue that your injuries aren’t that serious—even if you’re only saying it to be polite or positive.

That’s why it’s crucial not to talk to them without legal representation. What seems like casual conversation to you is just another tool in their playbook.

Many people are eager to put a wreck behind them. Insurance adjusters count on that. They’ll offer a settlement early—often before you even know the full extent of your injuries or what long-term care might cost.

You might still be in treatment, or your doctor might not yet know whether your injury is permanent. Settling too early can mean you’re stuck paying for future costs out of your own pocket. Once you sign, it’s over. You can’t go back and ask for more, no matter how badly you need it later.

At Jack Bailey Law Corporation, we fight for our clients because we know how much you lose in a car wreck. And you’re owed more than just what shows up on a medical bill.

You’re owed compensation for the opportunities you missed. For the physical limitations you now live with. For the emotional toll of not being able to do the simple things that used to bring you joy.

If you or someone you love has been hurt in a wreck, don’t make the mistake of trusting the insurance company to do the right thing. Call the JackPack today. Let us stand up for you, tell your full story, and fight for every dollar you deserve in your car wreck settlement.