The adjuster who calls sounding friendly and helpful works for the insurance company — not for you.
What the Adjuster Wants
An adjuster's job is to close your claim for as little as possible. Common tactics include requesting a recorded statement, pushing a fast settlement before you know the extent of your injuries, and asking for a broad medical authorization.
The Recorded Statement Trap
You are generally not required to give the at-fault insurer a recorded statement. Innocent phrases — 'I'm fine,' 'I didn't see them' — get used to argue you weren't hurt or were at fault. Ohio follows a modified comparative negligence rule with a 51% bar (R.C. § 2315.33).
Early Lowball Offers
A quick check may seem appealing when bills are piling up, but accepting it usually requires signing a release that ends your claim forever — even if your injuries worsen. Future medical needs are often worth far more than the first offer.
How an Attorney Changes the Dynamic
Once you have counsel, the insurer must deal with your attorney, not you. Personal injury attorneys in Ohio typically work on a contingency fee, meaning you pay nothing upfront and the attorney is paid only a percentage if they recover money for you.
Injured in Ohio? Get a free, confidential case review. No obligation, and no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. Laws change and every case is different. For guidance on your specific situation, consult a licensed Ohio attorney.