What should I say to the insurance adjuster?

Ideally, you should decline to talk directly with the insurance adjuster and should instead direct the insurance company to submit all communications to your attorney; the insurance adjuster will be looking to use anything you say as a basis to deny your claim or pay you less than the full compensation you deserve. If you have to talk to an insurance adjuster for any reason, you should limit yourself to the accident’s facts as you remember them. You should also avoid trying to assign blame or apologizing for the accident.