Adjusters are paid to investigate claims and gather facts. One way they do this is by getting statements from all the parties involved in an accident, along with the statements of any witness. After getting all the available facts, the adjuster hopes to make an informed judgment about liability and decide whether to pay a claim, negotiate a compromise settlement, or deny a claim. The linchpin of the investigation is the statement.
Claims adjusters use a number of techniques to get quick settlements and give the insured less than he or she may be entitled to. This must-read booklet outlines some of the more common ones.