It is always in your best interest to let your attorney handle speaking with the adjuster because they will want to record your statement and use anything they can to bring the settlement amount down. The adjuster does have the authority to settle over the phone for a certain dollar amount. This usually maxes out around $30,000 and you will not have any way of knowing what their limit is. It can be easy for them to push you into settling for an amount that will not cover all of the costs associated with your injuries.