If an insurance adjuster calls you, keep the conversation brief. Don’t allow them to record you and don’t provide a statement. Don’t furnish them with any details about the accident or your injuries, and definitely don’t admit any fault. Remember, insurance adjusters are incentivized to reduce or deny your claim, since their goal is to minimize the final payout and protect their employer’s bottom line. The more you say, the likelier it is that they will find something to use against you.