Before responding to an adjuster, identify the insurer, claim, and purpose of the request. Your own insurer’s cooperation requirements can differ from a request by another party’s carrier. A careful response starts with the actual document or question.

Keep a dated communication record

Save the adjuster’s name, contact details, claim number, requests, deadlines, and responses. Ask for important coverage positions in writing. If a conversation is summarized afterward, distinguish your notes from an actual recording or letter.

Answer accurately without guessing about speeds, medical conclusions, or future recovery. Do not exaggerate and do not describe yourself as fully recovered merely to end a conversation. Tell counsel about prior statements that need clarification.

Review broad requests before signing

  • For an authorization, identify which records, providers, dates, and uses it permits.
  • For a recorded statement, identify the requesting insurer, purpose, and relevant policy obligation.
  • For an examination, preserve the complete notice and obtain timely advice.
  • For an offer, keep the proposed release and any explanation of what claims it resolves.

Cooperation is not the same as accepting every interpretation

Your policy may require reasonable cooperation. Obtain advice about disputed or unusually broad requests without ignoring deadlines. A blanket rule never to communicate with any adjuster can create avoidable problems.

An insurer’s offer, causation view, or fault allocation is a position to evaluate against the records. It is not automatically a complete explanation of your rights or the final value of the claim.

Use focused help

See examination requests, benefit denials, and settlement evaluation. Our car accident practice page provides the route to discuss representation.

Talk with Logeman & Iafrate

Request a free consultation or call (734) 994-0200 to discuss your situation with our Ann Arbor office. Bring the relevant records and any insurer correspondence. Advice about your claim depends on the facts, coverage, and applicable deadlines.

General information only; this article is not legal advice for an individual case.

Frequently Asked Questions

Should I refuse every request from my own insurer?

No. Review your obligations and obtain advice about the specific request.

Should I keep the release even if I reject the offer?

Yes. The actual document helps explain what the insurer proposed and what it would resolve.

‍This article is provided for informational purposes only and does not constitute legal advice. Consult a qualified attorney at Logeman & Iafrate, P.C. for advice regarding your individual situation.