Should You Agree to Adjuster Interviews After a Car Accident?
If an insurance adjuster contacts you after a car accident and requests a recorded interview, you might wonder whether to comply. Knowing your rights and understanding the implications can help you avoid costly mistakes. Here’s everything you need to know about adjuster interviews in Utah car accident cases.
Do You Need to Participate in Adjuster Interviews?
- For Your Own Insurance Company
Yes, you must provide an interview to your own insurance company. Your policy includes a “duty to cooperate” clause, which obligates you to participate. Failure to comply could jeopardize your coverage. - For the Other Party’s Insurance Company
No, you are not obligated to give a recorded interview to the other party’s insurance company. This is a common tactic insurers use to minimize payouts, and you have the right to decline.
Why Adjuster Interviews Pose Risks
Insurance adjusters often manage hundreds of claims. Their priority is protecting their employer’s bottom line. By agreeing to an adjuster interview, you could face several risks:
- Misinterpreted Statements
Adjusters might take your words out of context to argue against your claim. - Inadmissible Evidence Misunderstood
Utah law protects victims by making certain recorded interviews inadmissible in court if taken too early. However, you must understand and exercise these rights correctly to benefit.
When Can Adjuster Interviews Be Used in Court?
Under Utah Code Ann. 78B-5-813 (2018), statements from adjuster interviews are generally inadmissible unless specific conditions are met. For instance:
- The statement must have been provided to you in writing when it was taken.
- You must have the opportunity to object within 15 days after receiving a copy.
This rule ensures that victims are not coerced into making statements during vulnerable moments, such as immediately following a hospital discharge.
How an Attorney Helps with Adjuster Interviews
Hiring an experienced attorney can dramatically improve the outcome of your case. Here’s how:
- They Safeguard Your Rights
Attorneys guide you through the process and ensure you don’t inadvertently provide information that harms your claim. - They Obtain Copies of Interviews
Attorneys review all interviews, including those with your insurer and the opposing party. This ensures transparency and prepares you for potential challenges. - They Protect Against Impeachment
At trial, adjusters might use recorded statements to discredit your testimony. An attorney anticipates these tactics and helps you counter them effectively. - They Address Discovery Issues
Insurance companies may attempt to withhold adjuster interviews as “work product.” Skilled attorneys navigate these complexities during the discovery phase.
How to Handle Adjuster Interviews
If an adjuster requests a recorded interview, follow these tips to protect yourself:
- Consult an Attorney First
Always seek legal advice before agreeing to an interview. An attorney will help you understand whether it is in your best interest to participate. - Avoid Feeling Pressured
The opposing party’s insurance company has no right to demand a recorded statement from you. You can confidently decline their request. - Document Your Communications
Keep detailed records of every conversation with insurance adjusters. These records can serve as evidence if disputes arise later.
Why Medical Treatment Matters
Additionally, maintaining consistent medical treatment is vital to the success of your case. Gaps in treatment give the defense an opportunity to argue that your injuries are not severe. Always follow your doctor’s advice and document your progress to support your claim.
Contact a Utah Personal Injury Attorney for Guidance
Navigating adjuster interviews after a car accident can feel overwhelming. Protect yourself by working with an experienced Utah personal injury attorney like Jake Gunter. He has the expertise to counter insurance tactics and ensure you receive fair compensation.
Call or text Jake Gunter at (801) 373-6345 for a free consultation.
Don’t let insurance adjusters take advantage of you—get the legal support you need today!
Learn More About Utah Accident Lawyer Jake Gunter 
For additional insights on Utah personal injury law and to get to know Jake Gunter better, check out these helpful videos:
- Meet Jake Gunter – Learn more about Jake Gunter’s background, experience, and dedication to helping clients throughout Utah.
- How to Choose a Utah Personal Injury Attorney – This video offers guidance on selecting the right personal injury attorney to ensure you receive effective representation.
- What Jake Gunter Does and Who He Represents – Discover the types of cases Jake Gunter handles and how he advocates for the rights of injured individuals statewide.
These resources will provide you with valuable information as you consider your legal options. For any questions or to schedule a free consultation, feel free to reach out to us directly.