You’re hurt. Or your car’s totaled. Maybe both. You’re still shaken, trying to figure out what’s next, and then your phone rings. It’s an insurance adjuster, wanting to “ask a few questions.” They’ll sound friendly. Calm. Helpful. But remember: they are not calling to help you. They’re calling to help the company that signs their checks.
You Don’t Owe Them a Conversation
You can say no. You can let it go to voicemail. You can schedule it later or never. You’re not obligated to speak with them the moment they reach out. If you’ve got a lawyer, your answer is simple: “Please direct all questions to my attorney.”