Dealing With Insurance Adjusters After a New Hampshire Accident

Understand the Adjuster's Role

An insurance adjuster works for the insurer, not for you. Their goal is to close your claim quickly and cheaply. They are trained, experienced, and handle claims daily, while you may be navigating this for the first time while injured. Recognizing that imbalance is the first step to protecting yourself.

Common Tactics to Watch For

Adjusters often request a recorded statement early, hoping you will say something that can be used to reduce your claim under the 51% comparative negligence rule. They may push a fast, lowball settlement before you know the extent of your injuries, or request a broad medical authorization that lets them comb your entire history for unrelated conditions to blame.

A quick offer can be tempting when bills are piling up, but once you sign a release, the claim is closed forever — even if your injuries turn out to be worse than they first appeared.

What You Can Do

You are not required to give a recorded statement to the other driver's insurer. You can decline broad medical releases and provide only records relevant to the crash. You can take time to understand your injuries before settling. And you can route communications through an attorney, who deals with adjusters every day and knows the real value of a claim.

When to Get Help

If your injuries are significant, fault is disputed, or the at-fault driver was uninsured, having an attorney handle the insurer typically pays for itself. A free case review costs nothing and helps you avoid the traps that reduce or eliminate recoveries.