Can I Still Get a Lawyer After Talking to the Insurance Company?
Many people worry that if they’ve already spoken to an insurance adjuster after a car accident, it’s too late to hire a lawyer. The truth is, you can absolutely still get legal representation, and doing so can make a significant difference in protecting your rights and maximizing your compensation.
Why Talking to Insurance Without a Lawyer Can Be Risky
Insurance companies often have a single goal: minimizing what they pay out. Even if it’s your own insurance company, adjusters are trained to look for ways to reduce claims. Some common tactics include:
Offering quick settlements early on, hoping you accept before your injuries are fully known
Twisting your words about the accident or who was at fault
Denying claims outright, hoping you won’t take action
Using statements you made against you in negotiations or in court
There’s a saying in criminal law: “Anything you say can be held against you.” The same applies in personal injury claims. Anything you say to the insurance company can be used to challenge your case or reduce your compensation.
Does Speaking to Insurance Mean You Can’t Hire a Lawyer?
Absolutely not. Talking to an insurance adjuster does not prevent you from hiring a lawyer. In fact, hiring an attorney after speaking with insurance is often the best next step. Here’s why:
Stop direct communication with the insurance company
Once an attorney is involved, all conversations with the insurance company are handled through your lawyer, protecting you from misstatements or pressure tactics.Leverage your claim effectively
An attorney can review any prior conversations with the insurance adjuster and determine how to best use them—or address any potential issues—to strengthen your case.Protect your rights and maximize compensation
Your lawyer can negotiate on your behalf, file a lawsuit if necessary, and ensure that statements you made previously are not used unfairly against you.
What to Do Next
If you’ve already spoken to an insurance company:
Stop any further direct communication until you have an attorney.
Document everything you discussed, including dates, times, and the name of the adjuster.
Contact an experienced personal injury attorney immediately to evaluate your case, handle negotiations, and protect your interests.
Even if the insurance company has denied your claim or attempted to minimize your injuries, a lawyer can step in, file a lawsuit if needed, and ensure that your case is presented properly.
