How to Protect Your Injury Claim and Avoid Costly Mistakes
When you’ve been hurt in a car wreck, truck crash, or work-related accident, you’re likely overwhelmed — medical appointments, missed work, daily pain, and endless questions. Then the phone rings. It’s the insurance adjuster.
They sound friendly. They say they’re just “gathering information” or “checking in.” But make no mistake: they are not on your side. Their job is to protect the insurance company’s bottom line — not your health, your future, or your financial well-being.
At Christmas Injury Lawyers, we’ve seen firsthand how insurers manipulate the process to delay, deny, or drastically reduce what injured people are rightfully owed. You deserve better. And we’re here to help you take back control.
Why You Need to Be Cautious Talking to Auto Insurance Adjusters
Insurance companies have entire teams of professionals trained to minimize your payout. That includes adjusters, supervisors, and defense lawyers — all working behind the scenes to undermine your case from the moment the claim is filed.
If you say the wrong thing — even by accident — you could jeopardize your entire claim. That's why we tell every client:
Don’t trust the insurance company to treat you fairly. They won’t. But we will.
7 Tips to Protect Your Rights When Speaking to Insurers After a Car Accident
Here’s how you can protect yourself — and your claim — if you get a call from an insurance adjuster:
Don’t Give a Recorded Statement
You are not required to give a recorded statement to the at-fault party’s insurance company. And you shouldn’t. They may twist your words to make it seem like you were at fault or not seriously injured.
Avoid Discussing Fault
Even saying “I’m sorry” can be taken as admitting blame. Let the evidence — and your attorney — speak for you. You don’t know all the facts yet, and it’s not your job to determine liability.
Do Not Downplay Your Injuries
Saying you're “feeling fine” may seem polite, but it can destroy your credibility. Many serious injuries, including soft tissue damage or brain injuries, take days or weeks to fully appear.
Never Accept the First Settlement Offer
Insurance companies often throw out lowball offers early on, hoping you’ll take the bait before you know the full extent of your injuries or losses. Once you accept, you can’t go back for more — even if your condition worsens.
Keep Conversations Brief
If you must speak with them, keep it short. Confirm your name, contact information, and the basics of the accident (date, time, location). Then politely decline to answer more without legal representation.
Refer All Questions to Your Attorney
Once you hire Christmas Injury Lawyers, we deal with the insurance company for you. No more worrying about what to say — we protect your rights and handle the heavy lifting.
Document Everything
Save all communications, letters, voicemails, and messages from the insurance company. This paper trail may become critical evidence if your claim is challenged or goes to trial.
What Happens If You Say the Wrong Thing — or Admit Fault?
The wrong statement can:
- Delay your treatment or access to benefits
- Reduce or eliminate your payout
- Be used against you in court
- Lead to a full denial of your claim
Even a simple comment like “I’m sorry” can be twisted into an admission of fault. You may not even realize the damage until it's too late. That’s why you should never deal with the insurance company alone. They know the law. They know the loopholes. And they know you don’t.
But we do. And we’re not afraid to take your case to court if that’s what it takes to get you everything you’re owed.
We Know the Playbook — and We’ll Help You Beat It
At Christmas Injury Lawyers, we’ve spent nearly three decades standing up to insurance companies that put profits over people. Injury law is all we do. And unlike many firms that rush to settle, we’re known for going to trial and fighting for every dollar our clients deserve.
From the moment you hire us, you're part of our client family. We’ll:
- Take over all communication with insurers
- Protect you from tactics designed to wear you down
- Push for all available damages under South Carolina law
- Guide you through treatment, documentation, and recovery
Damages You May Be Entitled To
We’ll pursue all categories of loss relevant to your accident, such as:
Medical Expenses
Covers ER visits, surgeries, rehabilitation, prescriptions, medical equipment, and more. You shouldn’t have to worry about affording treatment.
Lost Wages
If your injuries prevent you from working, we fight to recover the income you’ve lost — and any future earnings you’ll miss out on.
Pain and Suffering
Physical pain, emotional distress, and reduced quality of life are very real. We help quantify these damages and ensure they’re not ignored.
Property Damage
If your vehicle or other personal items were damaged in the accident, we’ll make sure repair or replacement is fully considered.
You Don’t Have to Go Through This Alone
The insurance company has a team working against you. Let our team work for you. With Christmas Injury Lawyers, you’ll have a legal family by your side every step of the way — protecting your rights and pushing for the outcome you truly deserve.
We don’t charge you anything upfront for our legal fees. If we don’t win money for you, you don’t pay us. That’s our promise.
Frequently Asked Questions About Insurance Adjusters After an Accident
Should I talk to the insurance adjuster if they call me right after my auto accident?
No — not until you speak with an attorney. Insurance adjusters often reach out quickly after a crash hoping to catch you off guard. You may still be in shock, under medication, or unaware of the extent of your injuries. Politely decline and refer them to your attorney.
Is giving a recorded statement required?
Absolutely not. You are not legally obligated to give a recorded statement to the at-fault party’s insurer. These recordings can and will be used to deny or reduce your claim. Let your legal team handle all communication.
Can I trust the adjuster if they say they “just need some basic information”?
No. Even basic questions are designed to get you to say something they can use against you. The adjuster may sound friendly, but their goal is to protect the insurance company — not to help you.
What if the insurance company offers me a settlement right away?
Be cautious. Early settlement offers are usually far less than what your claim is worth. If you accept, you’ll likely sign away your right to pursue additional money — even if your injuries worsen over time.
Do I need a car accident lawyer if the insurance company is already working with the body shop?
Yes — absolutely. Just because the insurance company is coordinating repairs with a body shop doesn’t mean they’re looking out for your best interests. A car accident lawyer protects your rights, not just your vehicle. You may still be dealing with serious injuries, medical bills, or lost income — and none of that is handled by the body shop. Our team makes sure the full picture of your accident is accounted for, not just the damage to your car.
What can I do to avoid saying the wrong thing to the insurance company?
Hire a lawyer as soon as possible. Once you’re represented by Christmas Injury Lawyers, the insurance company can no longer contact you directly. We’ll take over and ensure nothing is said or done that could hurt your claim.
Ready to Level the Playing Field? Get Your Free Consultation Today!
If you’ve been injured, call Christmas Injury Lawyers today at (843) 380-4112 or click “Contact Us” on this page. Don’t risk saying the wrong thing to the insurance company. Let us do the talking — and the fighting — for you.
