One of the most damaging mistakes accident victims make is contacting their insurance company before speaking with a lawyer. Insurance adjusters may seem helpful, but their primary goal is to protect the company’s bottom line. Even innocent remarks can be twisted to reduce or deny your claim.

When you speak directly to an adjuster, you may be asked for a recorded statement. These statements are designed to lock victims into answers that limit liability. For example, casually saying you “feel okay” can later be used as evidence that your injuries were minor. Similarly, providing too much detail about the accident may open the door for insurers to dispute your version of events.

Another risk is accepting a quick settlement. Many victims, eager to cover immediate expenses, accept the first offer. Unfortunately, these offers rarely account for long-term medical care, lost income, or ongoing pain and suffering. Once a settlement is signed, the case is closed — even if costs continue to mount.

A personal injury lawyer serves as a buffer between you and the insurance company. Attorneys know how to communicate effectively, protect your statements, and negotiate for maximum compensation. Since most Los Angeles personal injury lawyers offer free consultations and contingency fees, there is no financial risk in calling a lawyer first.

The critical lesson is clear: never speak with an insurance adjuster before seeking legal advice.