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Insurance Claim Chat: What Adjusters Really Want to Know
Had a minor fender bender last week, nothing serious thankfully, but the adjuster asked me some pretty detailed stuff - like exactly how fast I was going and even what radio station was playing, lol. Anyone else had adjusters ask oddly specific things like that?
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4 replies
Haha, the radio station thing is a new one for me... maybe they're secretly judging your music taste? But seriously, adjusters do sometimes ask oddly specific stuff to piece together exactly what happened. They're basically trying to recreate the scene in their heads. Did they ask if you were sipping coffee or adjusting mirrors too? I've heard some pretty random questions over the years - guess it's all about details and liability. Glad it wasn't serious though!
Honestly, the radio station question seems a bit excessive to me. I get they're trying to piece things together, but at what point does it cross into irrelevant territory? Like, does knowing if someone was jamming to classic rock or pop really clarify liability? I'd be more concerned about phone usage or distractions like GPS fiddling. Has anyone else been asked about something seemingly unrelated that actually turned out important later on? Curious how often these oddball questions genuinely matter...
"Like, does knowing if someone was jamming to classic rock or pop really clarify liability?"
You're spot-on here. While adjusters do need thorough details, some questions can feel borderline irrelevant. I've had similar experiences - once asked about snack wrappers in my car after a minor fender-bender. Seemed trivial at first, but later learned they were piecing together distraction factors. It can feel intrusive, but sometimes these oddball questions do have a method behind the madness...though I agree, radio stations seem like a stretch.
Interesting points raised here. I've noticed adjusters often ask detailed questions to reconstruct the scenario accurately, even if some seem trivial at first glance. A few years ago, after a minor collision, I was asked about the exact weather conditions and whether my windshield wipers were on intermittent or continuous mode. Initially seemed excessive, but later realized they were assessing visibility factors. Still, I agree that certain queries - like radio stations - do appear somewhat tangential to liability determination.