What is a loss adjuster?
Insurer's agent; investigates claims; may contact you directly after a serious accident; not the same as a loss assessor (who works for claimant)
Are you obliged to speak to the loss adjuster?
No — before you have a solicitor, you have no obligation; if you have a solicitor, all communication goes through them
What are the risks of speaking to them without a solicitor?
Recorded interview; statements used to establish contributory negligence; premature description of injuries before full diagnosis; admissions about PPE, training or your own actions
What if the loss adjuster contacts you directly?
Politely decline to discuss the accident; take their name and contact details; seek legal advice first; you can instruct a solicitor on no win no fee before engaging
What is the difference between a loss adjuster and a loss assessor?
Loss assessor works for the claimant on property/insurance claims — different context; in personal injury, you have a solicitor not an assessor
Related questions
Do I have to speak to my employer's insurer after a work accident?
No. You have no obligation to speak to the insurer or their representatives before you have legal advice. Anything you say informally may later be used to challenge your claim.
What if the loss adjuster says the claim is straightforward?
An insurer's representative telling you a claim is straightforward is not the same as independent legal advice. Get your own legal advice before agreeing to anything.
Can you claim? Find out in four quick steps.
Enquiries may be referred to SRA-regulated UK solicitor firms where appropriate. No win, no fee is subject to solicitor assessment of your individual case.
0800 000 0000Where did the accident happen?
Pick the setting closest to your situation.
Sources
- Pre-Action Protocol for Personal Injury Claims
- Consumer Rights Act 2015
- SRA Code of Conduct
This answer is editorial information about UK law. It is not legal advice and does not create a solicitor–client relationship. For advice on your circumstances, speak to a regulated personal-injury solicitor.