After a crash, insurance adjusters often call quickly — sometimes within hours. They may seem helpful, but their goal is to protect their company, not you.

Why Insurers Reach Out Quickly

Insurance companies aim to:

• Get statements early before full injuries show
• Settle for as little as possible
• Protect their bottom line

This is true in both Missouri and Illinois.

Missouri & Illinois: What the Law Means for You

Missouri applies pure comparative fault, meaning you can recover compensation even if you are mostly at fault, though your recovery is reduced by your percentage of fault. 

Illinois uses modified comparative fault, meaning if you are more than 50% at fault, you cannot recover at all. 

Because of these rules, fault percentages matter. An early insurance statement can influence how much fault the adjuster claims you bear—and that affects how much you can recover.

Insurance Calls Aren’t Legal Advice

Adjusters may:

• Ask for recorded statements
• Try to get you to sign releases
• Discourage you from hiring counsel

None of these are in your best legal interest without advice from a lawyer.

When Having a Lawyer Matters Most

A lawyer can:

• Handle insurer communication
• Preserve evidence
• Identify third-party claims
• Ensure fault and damages are properly documented

Ultimately, insurance adjusters represent the insurer’s interests—not yours. Even if they call first, talking to an attorney ensures you don’t unknowingly harm your case under Missouri or Illinois law. Contact Gunn | Slater today for a free consultation.