Often the other driver's insurance company calls within a day or two of a crash. The adjuster is polite, sympathetic, and eager to "get this resolved quickly." It is worth understanding what that call is really for.
The recorded statement
Early in the process, an adjuster will usually ask to record your statement about how the crash happened and how you feel. You are generally not required to give the other party's insurer a recorded statement. Given so soon — before you know the full extent of your injuries — it can lock you into answers that get used against you later.
The quick settlement offer
A fast offer can be tempting, especially with bills coming in. But once you accept and sign a release, the claim is closed for good, even if your injuries turn out to be worse than they first appeared. There is no reopening it later.
A free conversation first
None of this means insurers are villains — it means their job is to pay as little as the claim will allow, and yours is to protect your own interests. A short, free conversation with an attorney before you give a statement or accept a check can help you avoid the most common and costly mistakes.