When dealing with an insurance company, it is always best to consult with a car accident lawyer in California. Insurance companies are for-profit organizations that are driven to make as much money as possible. As an employee of the insurance company, the insurance adjuster has a responsibility to make money for his company by holding back every last penny that he/she possibly can from your personal injury claim. As such, insurance adjusters are trained to do anything and everything within their means to withhold payment. While the insurance companies train adjusters to advocate their side, the average person must consult with a car accident attorney who will advocate their side of the story.
Insurance adjusters are given specific instructions to help them perform their task as well as they possibly can. They even get promotions and bonuses based on how well they do at reducing your personal injury settlement. Their act of being extremely friendly is one of their charades to make them seem trustworthy so that they can get you to divulge as much information as possible. All the information they get from you can be used against you during your settlement. Among other things, my book The Seven Mistakes That Can Wreck Your California Personal Injury Claim provides many such examples of insurance adjusters and their bag of tricks in action.
Studies by insurance companies show that people who hire a California personal injury attorney receive much more in settlement than those who do not (even after the legal fees have been paid). Therefore, if you have been in a serious car accident and need to deal with an insurance adjuster please do yourself a favor and consult with a car accident lawyer first.