Should I Call an Insurance Adjuster Back? Consult an Attorney Before Speaking with the Insurance Adjuster

If you’ve been in a car accident in Milwaukee, Madison, Appleton, Green Bay, or anywhere in Wisconsin, the moments afterward can shape your recovery — physically, emotionally, and financially. When no officer arrives to take an official accident report, you might feel like you’ve lost a key piece of your case. But you still have every right to protect yourself and pursue the compensation you deserve.

At Natasha Misra Law, we’ve built our practice on helping accident victims across Wisconsin through challenges just like this. We take the time to understand your situation, explain your options, and handle the details so you can focus on getting back on your feet. Here’s what to do next.

Step 1: Become Your Own Investigator

If law enforcement isn’t coming, you need to build the record yourself:

Take photos – Capture vehicle damage, license plates, injuries, debris, and the full accident scene from different angles.

Exchange information – Get names, phone numbers, driver’s license numbers, license plates, and insurance details from everyone involved.

Talk to witnesses – Politely ask for their contact information and a brief statement about what they saw.

Think of this as creating your own “mini report”; it can become vital evidence later.

Step 2: File a Crash Report with the State

Wisconsin law says you must file a Driver Report of Crash within 10 days if:

Anyone was injured or killed
There was $1,000 or more in damage to any one person’s property
There was $200 or more in damage to government property

You file this report with the Wisconsin Department of Transportation (WisDOT) — not the DMV. You can do it online or request a paper form. It’s the state’s official record of your crash, and it can make or break an insurance claim.

Step 3: Let Your Insurance Company Know

Report the accident to your insurer as soon as you can. Stick to the facts you documented. Don’t admit fault or guess at details — just provide the evidence you’ve gathered.

Step 4: Get Checked Out

Not all injuries show up right away. A stiff neck today could be a serious soft tissue injury tomorrow. Seeing a doctor immediately protects your health and ties your injuries directly to the crash in the medical record.

Step 5: Call a Milwaukee Car Accident Lawyer

When there’s no police report, insurance companies often push back harder. Having the right lawyer means you’re not fighting alone. At Natasha Misra Law, we:

Have handled thousands of auto, truck, and motorcycle accident cases across Wisconsin
Include property damage help at no extra cost — we’ll deal with repairs, rentals, and towing so you don’t have to
Offer language access in Spanish in-house and nearly any language through on-demand interpretation, including Burmese and Rohingya
Keep you in the loop, so you always know what’s happening with your case

Don’t Let a Missing Accident Report Derail Your Claim

You only get one chance to get this right. Call (414) 210-3834 or contact us online for a free consultation. We’ll guide you through the reporting process, deal with the insurance company, and fight for the compensation you deserve. Reach out now to get a lawyer who’s not just another suit.

An insurance adjuster is a person who an insurance company employs to investigate and evaluate insurance claims. Insurance adjusters are responsible for determining the extent of coverage and scope of insuring a company’s liability.

If you are in the process of seeking compensation after a car accident, you will probably encounter insurance adjusters. Insurance adjusters work on behalf of the insurance company, so it’s important that you do not speak with them without your attorney present.

What are The Dangers of Speaking to an Insurance Adjuster Without Legal Advice?

Insurance adjusters evaluate the extent of the injury or damage, determine liability, and negotiate a settlement. Speaking to an insurance adjuster without any legal advice from an attorney can carry numerous potential dangers, including:

Limited understanding of your rights: Insurance policies and claim processes can be complex. Without legal support, you may not have a clear understanding of your rights and could unintentionally say or do something that could jeopardize your case.
Weakening your case: Adjusters have expertise in fighting claims. They may find ways to weaken your case or deny your claim altogether.
Unfair settlement offers: If you are unaware of the actual value of your claim, you are at risk of accepting unfair compensation.
Contradictory statements: Claims adjusters will usually ask questions and often try to take recorded statements that can cause you to make contradictory or inaccurate statements that can undermine your credibility.

Why Consult An Attorney?

There are many reasons to consult an attorney when dealing with insurance adjusters, including the following:

Consulting an attorney helps ensure equal representation. An attorney can level the playing field by protecting your interests.
An attorney has an extensive understanding of insurance laws and regulations and can help you navigate the claims process effectively.
Insurance adjusters have negotiation skills. By hiring a lawyer, you gain access to someone skilled in negotiation.
An attorney has the knowledge and experience to help you navigate complex legal issues.

Contact Natasha Misra Law Today

Seeking legal advice can help protect your rights and maximize compensation. It can also help you understand the implications of statements made during conversations with an adjuster.

If you have been injured due to someone’s fault, Natasha Misra Law can protect you from insurance adjusters—call (414) 210-3834 to schedule a free consultation and get the compensation you deserve.

Natasha Misra

My law practice is dedicated to helping people who have suffered injuries in accidents which were not their fault. Born and raised in Milwaukee, I come from a family of medical professionals. My background and experience help me understand and represent individuals injured in accidents.