| They sound helpful. They are not. Their job is to pay you as little as possible — starting with this phone call. |
WHAT THEY’RE ACTUALLY DOING ON THAT CALL
Insurance adjusters receive extensive training on how to conduct recorded interviews with injured claimants. The questions that sound routine are not routine:
| What They Ask | What They’re Really Doing |
| “How are you feeling today?” | If you say “not bad” or “a little better,” that goes on record as evidence you’re not seriously injured |
| “Can you walk me through what happened?” | Fishing for any detail — your speed, your lane, your actions — that shifts even 1% of fault onto you |
| “Can you sign this medical authorization?” | Accessing your entire medical history, going back years, looking for prior injuries to call “pre-existing.” |
| “We’d like to offer you a settlement today.” | Closing your case before you know what it’s worth — before imaging, before specialist evaluation, before you understand your injuries |
YOUR LEGAL OBLIGATIONS
You are required to notify the at-fault driver’s insurance that you are making a claim. That’s it. You are NOT required to:
- Give a recorded statement
- Answer questions about the crash
- Sign a medical authorization
- Accept a settlement offer
- Return their calls before speaking to an attorney
THE ONE SCRIPT YOU NEED
| Say This: “I have an attorney handling this matter. Please direct all communication to them.” Then end the call. |
You don’t have an attorney yet? You still say this. It’s not a lie — you’re going to get one. It buys you time, it stops the information extraction, and it signals that you’re not going to be handled easily.
WHAT ABOUT YOUR INSURANCE?
Your own insurance company is different. You should report the crash to your own insurer. They owe you a duty of good faith. File your PIP claim immediately — it pays your medical bills now, without waiting for fault to be determined.
| Road Justice Tip: The first settlement offer is almost always a fraction of what your case is worth. Once you accept and sign a release, the case is permanently over — no matter how bad your injuries turn out to be. Don’t sign anything. |
Contact a trusted motorcycle accident attorney in Texas — even if you never hire us.