Insurance Adjusters & Settlement

What will the adjuster ask me and why?

Attorney-Reviewed Answer
Reviewed by Jeff T. Gorman, Criminal Defense Attorney & Former 19th Circuit Prosecutor (Fla. Bar #538183). Last reviewed: September 2026
Short Answer
Questions aimed at fault, at pre-existing conditions, and at anything suggesting your injury came from somewhere else.

The questions follow a pattern once you know what they're for.

About the crash: speed, distance, where you were looking, whether you saw them, what you did. These build comparative fault — and after 2023, pushing your share past 50% eliminates the claim entirely rather than reducing it.

About your injuries: what hurts, how much, whether you're better. Early answers become the baseline against which everything later is measured.

About your history: prior accidents, prior injuries, prior claims, prior treatment. The purpose is to attribute your condition to something pre-existing.

About your activities: work, exercise, daily routine. This supports later arguments that you weren't as limited as claimed, often paired with surveillance.

About treatment: who you've seen, gaps, whether you followed recommendations.

None of that is improper. It's a claims investigation. But understanding what each question is building toward changes how carefully you'd answer it.

Every question is building toward something. Knowing what changes the answer. ---

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This page answers a common question for general informational purposes and is not legal advice, and no attorney-client relationship is formed by reading it. Florida law changes; while this answer is reviewed by a licensed Florida attorney, the right answer depends on the specific facts of your situation — consult an attorney. Serving Martin, St. Lucie, Palm Beach, Indian River, and Okeechobee Counties.