How to Deal with Insurance Adjusters After an Accident

After an accident, one of the first people you’ll hear from is an insurance adjuster. Their job is to evaluate the damage and control claim costs—but that doesn’t always align with what’s best for your vehicle.

Here’s how to handle that conversation the right way.

Understand Their Role

Insurance adjusters work for the insurance company—not for you. Their goal is to settle the claim efficiently and cost-effectively.

That doesn’t mean they’re doing anything wrong—but it does mean you should be informed and cautious.

Stick to the Facts

When speaking with an adjuster:

• Be honest and accurate

• Avoid guessing or speculating

• Don’t admit fault unless it’s clearly established

Keep your communication simple and factual.

Don’t Accept a Quick Estimate at Face Value

Initial estimates are often written based on visible damage only. Once a vehicle is disassembled, additional damage is commonly found.

This is why repair costs often increase after teardown—it’s a normal and necessary part of proper repairs.

Know That You Can Choose Your Shop

You are not required to use the insurance company’s recommended shop. Choosing a qualified repair facility ensures your vehicle is repaired safely and correctly.

Push Back When Necessary

If something doesn’t seem right—like denied procedures or missing repairs—ask questions.

A quality repair shop (like Solon Collision) will:

• Provide documentation

• Reference manufacturer procedures

• Advocate for proper repairs on your behalf

Final Thoughts

Insurance claims can feel overwhelming, but you don’t have to handle them alone. The right repair shop will guide you through the process and ensure your vehicle is repaired the way it should be.

If you have questions about a claim, contact Solon Collision—we’re here to help.