Insurers generally want to spend as little as possible on any given case. As such, they retain insurance adjusters who investigate each accident claim to: Make sure the claim is legitimate Make recommendations regarding how much the insurer has to pay Offer fast but insufficient settlements if they think it will make the claim “go away” faster Insurance adjusters often act quickly. Even if you have not yet fully processed the loss of your loved one, an insurance adjuster may contact you to ask for: Information regarding what you remember about the crash, including your loved one’s behavior right before the accident (or your own behavior if you were in the car as well) A recorded statement about what happened Any paperwork, such as bills or photos, you possess that may shed light on different aspects of the accident Permission to take photos of the damage done to your loved one’s car In addition to speaking with you, the adjuster might try to contact the other driver and any witnesses. Their goal in investigating is to find a contradiction or minor inconsistency that they can use to deny coverage. You may find it difficult to think clearly enough to avoid falling into the insurer’s questionable tactics. Remember that you can always get legal help as you figure out what to do.