"I'm fine" is the worst thing you can say to an insurance adjuster after a crash.

"I'm fine" is the worst thing you can say to an insurance adjuster after your crash. Let's break down how insurance companies treat injury claims.

Last week I got a call from a client. By that time, she had already talked to the adjuster. During that call, the adjuster asked how she was, and she naturally said "I'm fine." A few days later, pain kicked in. She called the adjuster back. He pulled out the recording.

This is classic insurance company playbook. They call you when everything is still fresh, they sound warm, friendly, helpful. That tone is intentional. The call is recorded.

The "I'm fine" gets saved in your file. When things settle down and injuries appear days or weeks later, they use your words against your claim.