Insurance adjuster checklist

Before an insurance call, organize the accident facts without guessing about your claim.

After a crash, adjuster calls can come before injuries, repair costs, and missed work are fully understood. Use this checklist to keep records together and request a free review if you were hurt.

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Practical steps before an adjuster conversation

  1. Write down what you know. Date, location, vehicles, weather, witnesses, police report number, and insurer details are safer than trying to remember everything on the call.
  2. Separate facts from estimates. It is okay not to know full repair costs, treatment length, missed-work impact, or future symptoms yet.
  3. Keep injury notes current. Track medical visits, pain changes, prescriptions, therapy, and activities you cannot do after the crash.
  4. Save every document. Store repair estimates, tow receipts, insurer emails, claim letters, medical bills, and mileage or rideshare costs in one place.
  5. Avoid pressure-based decisions. Do not rush because a settlement, recorded statement, or repair decision feels confusing. Get organized first.
  6. Request a free review if you were injured. Accident Review Center can help route your request for review if your situation appears to meet initial criteria.

What not to guess about

  • Whether you are fully healed
  • Who is legally at fault
  • What the case is worth
  • Whether future treatment will be needed

Need an organized intake?

The free review form asks for accident type, attorney status, fault, injury, timing, state, ZIP, description, and contact details. Submissions remain staging-only until production routing is approved.

Start free review →

Repair or towing paperwork?

If your vehicle is already at a shop or tow yard, use the repair/towing guide to organize estimates, storage records, and photos.

Open repair/towing guide →

Printable version

For a shorter handout, open the printable accident checklist and keep it with your repair, medical, and claim documents.

Open printable checklist →