Understanding Common Insurance Adjuster Tactics in Personal Injury Claims
Suffering an injury due to someone else’s negligence can be overwhelming, especially when dealing with insurance companies. Studies show that insurance companies in the U.S. collect over $1.4 trillion in premiums annually, yet they frequently undervalue claims to maximize profits. Understanding common tactics adjusters use can help you secure the compensation you deserve.
At Mintz Law Firm, we have extensive experience handling personal injury claims and dealing with insurance adjusters. Our dedicated team fights for accident victims, ensuring they receive fair treatment and proper compensation for their injuries.
5 Common Tactics Insurance Adjusters Use in Personal Injury Claims
There are many ways that insurance companies may try to undermine your claim, such as:
Tactic 1: Insurance Adjusters May Pressure You Into a Quick, Low Settlement
An adjuster may contact you shortly after an accident with a settlement offer. While this might seem like a convenient resolution, initial offers are usually much lower than what your claim is actually worth. Adjusters know injured individuals face mounting medical bills and financial strain, making them more likely to accept a quick payout without fully understanding their damages.
Accepting an early settlement can be a costly mistake. It’s crucial to consult with a personal injury attorney before signing any agreements so you know you’re receiving a fair settlement that accounts for all present and future costs related to your injury.
Tactic 2: Delaying or Disputing Liability to Undermine Your Claim
Insurance companies may intentionally delay the claims process, hoping that frustration and financial hardship will force you into accepting a lower offer. Adjusters might request excessive documentation, claim they need more time to investigate, or continuously transfer your case between representatives.
Additionally, adjusters may dispute liability, arguing that you share some or all of the blame for the accident. Colorado follows a modified comparative negligence rule, meaning that you may be ineligible for compensation if you are found more than 50% at fault. A skilled attorney can counter these tactics by gathering evidence, negotiating on your behalf, and ensuring the insurance company acts in good faith.
Tactic 3: Tricking You Into Giving a Recorded Statement
Insurance adjusters often request recorded statements under the pretense of clarifying details about your accident. However, their true goal is to find inconsistencies or statements that can be used against you. Even minor discrepancies in your account of the incident can be twisted to downplay your injuries or shift blame.
It is your right to decline to provide a recorded statement without legal representation. Instead, consult an experienced attorney who can handle communications with the insurance company and prevent your words from being misinterpreted or used to undermine your claim.
Tactic 4: Requesting Unnecessary Medical Records to Minimize Payouts
Another common tactic is requesting excessive medical records, sometimes dating back years before the accident. Adjusters do this to search for pre-existing conditions that they can use to argue that your injuries were not caused by the accident.
While you may need to provide medical documentation related to your claim, you should be cautious about signing broad medical release forms. A personal injury attorney can ensure that only relevant medical records are shared, protecting your privacy and strengthening your case.
Tactic 5: Arguing That Your Injuries Are Not Severe
Adjusters frequently downplay the severity of injuries to justify lower settlement offers. They may claim that your injuries are minor, that treatment was unnecessary, or that you should have recovered more quickly. Sometimes, they might even suggest that you exaggerate your symptoms.
A skilled attorney can help present substantial evidence, including medical records, expert opinions, and witness testimony, to validate the true extent of your injuries and losses.
Consult a Trusted Colorado Personal Injury Attorney
At Mintz Law Firm, our personal injury lawyers have decades of experience handling complex personal injury cases, including those involving out-of-state victims. Our team includes board-certified attorneys who bring diverse perspectives and a strong commitment to justice.
If you have been injured, don’t face the insurance company alone. Call (303) 462-2999 or complete our contact form today to schedule a free consultation.