In the first days after an accident, you might receive a phone call from an insurance claims adjuster. The claims adjuster is a professional the insurance company hires to analyze claims and determine whether the insurer should accept them. The insurance adjuster’s main goal during conversations with you will be to find ways to minimize your payout. Be careful what you say when speaking to an insurance claims adjuster. Do not admit fault or agree to give a recorded statement until you have spoken to a lawyer. Hire an attorney to take over negotiations for you. Legal representation can help you protect your claim during all phases of the insurance settlement process.