Your Lawyer vs. the Insurance Adjuster: Who Works for Whom
Adjusters are not villains and many are professional and courteous. The point is structural: they are paid to resolve claims for the insurer, and California law does not make them your advisor.
The insurance adjuster vs. Your attorney: side by side
| Factor | The insurance adjuster | Your attorney |
|---|---|---|
| Who they work for | The insurance company that employs or contracts them. | You, under a signed representation agreement. |
| Legal duty | Good-faith claim handling duties owed to their own policyholder. | Fiduciary duties of loyalty, confidentiality, and competence owed to you. |
| Recorded statements | May request one early, before treatment is complete. | Advises whether and when to give one, and can be present. |
| Medical records | May ask for a broad authorization covering your full history. | Produces records that relate to the claim and objects to overbroad requests. |
| Valuation | Uses internal software and reserve guidance. | Builds value from documented treatment, wage loss, and future care. |
| If talks fail | Closes the file. | Can file suit before the deadline runs. |
The insurance adjuster usually fits when
- Property-damage-only claims with no injury
- Simple first-party questions such as rental coverage or towing
- You are only confirming coverage or policy limits
Your attorney usually fits when
- You were injured and treatment is ongoing
- Fault is disputed or several parties may be responsible
- You have been asked for a recorded statement or a blanket medical authorization
Common questions
Do I have to give the other driver’s insurer a recorded statement?
Generally no. You typically owe cooperation to your own insurer under your policy, but not to the other side’s carrier. Whether to give one is a decision to make with counsel.
Can the adjuster tell me what my case is worth?
An adjuster can state what the insurer is willing to pay. That is an offer, not an independent valuation, and it is usually made before the full medical picture is known.
Is it rude to say I have a lawyer?
No. Once you are represented, the adjuster is expected to communicate through your attorney, and that generally reduces direct pressure on you.
Not sure which applies to you?
Brandon Aminpour offers a free case evaluation. There is no obligation and no fee to talk.
Call (323) 879-9777Related comparisons
This page is general information about California law, not legal advice, and reading it does not create an attorney-client relationship. Blackrock Law Group is licensed in California. Prior results do not guarantee a similar outcome.