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

You just got rear-ended at a stoplight in Madison. The other driver seems cooperative, and the damage doesn’t look too bad, so you both decide not to call the police. A few days later, your neck starts to hurt, your car needs more repairs than you thought — and now you’re wondering how to file a claim.

But then reality hits: there’s no accident report. Can you still file a car accident claim in Wisconsin?

The short answer is yes — but it can be more complicated. At Natasha Misra Law, we’ve helped drivers across Milwaukee, Appleton, Green Bay, Madison, and Hales Corners handle accident claims with and without accident reports. Here's what you need to know.

Why an Accident Report Matters

An accident report serves as an official, third-party record of your accident. It often includes:

The date, time, and location of the crash
Statements from the drivers and any witnesses
The officer’s observations and sometimes even a fault determination

Insurance companies often rely on accident reports when deciding how to handle a claim. Without one, the process can feel like your word against the other driver’s.

Can You Still File a Claim Without It?

Yes. You can still file a car accident claim without an accident report — but your claim will likely need stronger supporting evidence.

That includes:

Photos of the damage, scene, and injuries
Medical records showing your treatment
Witness statements
Repair estimates
Proof of missed work due to the accident

Without an accident report, it’s even more important to act quickly and stay organized. The insurance company may be more likely to challenge your version of events, delay your claim, or offer less than you deserve.

What If the Other Driver Changes Their Story?

This is a common issue when there’s no report to back up what really happened. At the scene, the other driver may admit fault or apologize — but a week later, their insurance company says you were to blame.

That’s why it’s always a good idea to involve the police, even in minor crashes. In Wisconsin, you’re legally required to report the accident to police if:

Someone is injured
There’s $1,000 or more in property damage
A government-owned vehicle is involved
When in doubt, call.

When to Call an Accident Injury Lawyer in Wisconsin

If you’ve been injured in a crash and there’s no accident report, it’s a smart idea to speak with a personal injury attorney early on. At Natasha Misra Law, we help people who’ve been hurt in car accidents navigate claims, even when the case starts out messy or unclear.

We’ll help gather the evidence, build your case, and handle communication with the insurance companies — so you can focus on recovering. Our personal injury team works on a contingency fee basis, meaning you don’t pay unless we win.

We also offer multilingual support through a professional translation service, so if you or a loved one speaks Spanish, Burmese, Rohingya, or another language, we’re ready to help.

Contact Natasha Misra Law Today, and Get a Lawyer Who’s Not Just Another Suit

No accident report? Don’t panic — and don’t give up on your claim. Whether your accident happened in Milwaukee, Green Bay, Hales Corners, Madison, or Appleton, we’re here to help you figure out the next step and fight for the compensation you deserve.

‍Get a free consultation today. You deserve answers. You deserve to recover.

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.