What if the insurance company says I’m at fault?

Being blamed for a crash you didn’t cause is one of the most destabilizing moments in the entire process. For some people, it triggers shame: “Did I mess up?” “Am I not allowed to get help now?” “Does this mean I’m stuck with everything?”

For others, it triggers something very different: anger — a sense of betrayal. They tell me, “This is complete BS.” And they’re right to feel that. Insurance companies spend billions telling you they’re ethical, humble, salt-of-the-earth protectors who will be there in your hardest moments. Then the moment you need them most, they turn the tables and treat you like the problem. That whiplash is not an accident. It’s a tactic.

So let me say this clearly:
An adjuster’s opinion is not the truth, and it’s not the law.
It’s a position — one they often take early because they know many people will give up when they hear, “We think you’re at fault.” It’s not personal. It’s structural.

Here’s what actually matters:
You’re not the judge of your own case, and the insurance company definitely isn’t. Fault is decided by the twelve jurors in the box — not by someone on a headset reading a script.

My job is to gather the facts, analyze the scene, look at vehicle movement, track down witnesses when needed, and understand what really happened. Most of the time, the full story tells a very different truth than the adjuster’s early accusation. And the moment they realize you have a lawyer who is willing — and able — to take this question to a jury, the conversation changes.

So what should you do if an adjuster blames you?

You don’t argue.
You don’t panic.
You don’t give up.

You bring me the facts, and I’ll take it from there.

If you felt ashamed: you didn’t mess up.
If you felt betrayed: you’re not wrong.

Either way, being blamed doesn’t end your case.
It starts mine.