Shortly after a Montana crash, you'll likely hear from an insurance adjuster — sometimes within hours. They may seem helpful and sympathetic, but their goal is to limit what the company pays. A few simple rules protect you.
You Don't Have to Give a Recorded Statement
The at-fault driver's insurer often asks for a recorded statement early on. You are generally not required to give one, and it's usually wise to decline until you've spoken with an attorney. Recorded statements are used to lock you into early descriptions that may be incomplete before you understand your injuries.
Politely declining or deferring is your right. A simple 'I'm not comfortable giving a recorded statement right now' is enough.
Stick to the Basic Facts
If you do speak with an adjuster, share only the basic facts: the date, location, and the vehicles involved. Avoid speculating about fault, downplaying your injuries, or saying things like 'I'm fine' — adjusters note these comments and use them later.
Never guess. 'I don't know' or 'I'm still being evaluated' are perfectly acceptable answers and far safer than guesses that can be used against you.
Beware the Quick Settlement Offer
A fast, modest settlement offer is a classic tactic. It often arrives before you know the full extent of your injuries, and accepting it usually means signing away your right to any further compensation. Once you sign a release, the claim is closed even if your condition worsens.
Never accept an early offer for a significant injury without understanding what your claim is actually worth.
When to Bring in an Attorney
If your injuries are serious, fault is disputed, or the adjuster is pressuring you, that's the time to get advice. Once you have an attorney, the adjuster deals with them, not you — which removes the pressure entirely.
Call 973-566-5599 for a free review before you give any statement or sign anything.
Frequently Asked Questions
No. You're generally not obligated to give the at-fault insurer a recorded statement, and it's often best to decline until you've consulted an attorney.
Rarely, for a serious injury. Early offers are usually low and come before your full injuries are known. Signing a release closes the claim for good.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Montana attorney. Injury Claim Team is a legal referral and lead-generation service, not a law firm.