After an accident, you might assume the insurance company will simply “do what’s right.” Unfortunately, it’s rarely that simple. Insurance adjusters evaluate your claim with their company’s interests in mind—not yours. Knowing how they operate can help you protect yourself.
What Adjusters Look At
Insurance adjusters review each claim by assessing:
- Liability: Who’s at fault, and can it be proven?
- Injury severity: How serious and long-lasting are the injuries?
- Causation: Did the accident directly cause your injuries?
- Damages: How much do medical bills, lost income, and suffering add up to?
- Risk of trial: How likely are you (and your attorney) to take the case to court?
Common Tactics Insurance Companies Use
- Quick, low offers: They may try to settle before you know the full extent of your injuries.
- Delays: Hoping you’ll get frustrated and accept less.
- Recorded statements: Questions can be phrased in ways that hurt your claim later.
- Disputing causation: Suggesting your injuries existed before the accident.
- Downplaying pain: Claiming your injuries were “minor” or “temporary.”
How to Protect Yourself
- Wait until you finish treatment—or know your long-term prognosis—before settling.
- Keep thorough documentation of your medical care and daily impact.
- Be truthful but careful with what you share.
- Let your lawyer handle most communication with insurance companies.
The Bottom Line
Adjusters are professionals trained to save their company money. Having a skilled personal injury attorney on your side levels the playing field and ensures your case is valued fairly.
Before you sign or settle, talk to someone who’s on your side.
Schedule a free consultation with Persinger Law Firm to make sure you’re getting the full compensation you deserve.
