Common Tactics Insurance Adjusters Use to Lower Your Settlement | Fred Miller Lawyer

• 1. Understanding the Role of Insurance Adjusters
• 2. Common Tactics Used by Insurance Adjusters
• 3. Real-Life Example: How Insurance Adjusters Lower Settlements
• 4. How to Respond to Insurance Adjusters
• 5. Legal Advice to Protect Your Settlement

1. Understanding the Role of Insurance Adjusters

Insurance adjusters are professionals employed by insurance companies to assess claims and determine how much compensation a claimant should receive. Their goal is to evaluate the damage, determine liability, and ultimately negotiate a settlement. However, their primary loyalty is to the insurance company, not the policyholder, which means they may use certain tactics to minimize the payout. Understanding the adjuster’s role is key to protecting your interests during a claim process.

While adjusters are often friendly and appear helpful, their main objective is to save the insurance company money. As a result, they may use several strategies to reduce the amount of compensation you receive. Recognizing these tactics can help you prepare for negotiations and avoid common pitfalls.

2. Common Tactics Used by Insurance Adjusters

Insurance adjusters are skilled negotiators who use various tactics to lower settlement amounts. Some of the most common tactics include:

1. Underestimating the Value of Damages: Adjusters may try to downplay the severity of your injuries or property damage. They often claim that repairs or treatments are less expensive than they actually are, or they may argue that certain damages are not related to the accident.
2. Offering a Low Initial Settlement: Insurance companies often make a quick, lowball offer hoping that you’ll accept it. This initial offer is frequently much lower than what you deserve and is meant to close the claim quickly, without you fully understanding the long-term impact of your injuries.
3. Delaying the Process: Adjusters may drag their feet and delay the settlement process. This tactic aims to wear you down and pressure you into accepting a smaller settlement just to end the case. They may ask for excessive documentation or request unnecessary meetings to slow things down.
4. Disputing Liability: One of the most common tactics is disputing who is at fault. The adjuster may argue that the accident was partially your fault, or they may attempt to find other reasons to reduce the payout. This tactic can be especially frustrating, as it requires proving your case against their claims.
5. Using Recorded Statements Against You: Insurance adjusters often ask for a recorded statement under the guise of “gathering information.” They may use your own words later to reduce your settlement or deny your claim altogether. It’s essential to understand that anything you say can be used against you in the negotiation process.

3. Real-Life Example: How Insurance Adjusters Lower Settlements

Consider the case of a woman involved in a car accident who suffered a broken arm and whiplash. After seeking medical treatment and filing her claim, the insurance adjuster quickly offered a low settlement, arguing that her medical bills were less than expected and that her pain and suffering were not significant enough to warrant more compensation. The adjuster even questioned the necessity of certain medical treatments.

However, after consulting with a lawyer and gathering expert testimony on the long-term effects of her injuries, she was able to negotiate a much higher settlement. This case highlights how important it is to challenge the tactics of insurance adjusters and ensure that your injuries and damages are fully acknowledged and compensated.

4. How to Respond to Insurance Adjusters

When dealing with insurance adjusters, it’s important to respond strategically. Here are some key steps to protect yourself:

1. Don’t Accept the First Offer: The initial settlement offer is usually much lower than what you deserve. Don’t be pressured into accepting it without consulting a lawyer or thoroughly assessing the full extent of your damages and injuries.
2. Consult with an Attorney: A lawyer experienced in personal injury or insurance law can provide valuable insight into the true value of your claim. They can help you understand what’s reasonable and fight on your behalf if the insurance company is trying to offer you less.
3. Document Everything: Keep track of all communications with the insurance company, including emails, phone calls, and meetings. Keep detailed records of your medical treatments, repairs, and any other expenses related to the accident.
4. Never Give a Recorded Statement Without Legal Representation: Insurance adjusters may try to use a recorded statement to undermine your case. Always consult with a lawyer before agreeing to a recorded interview, as they can advise you on what to say and what to avoid.

5. Legal Advice to Protect Your Settlement

If you’re facing a situation where an insurance adjuster is using tactics to lower your settlement, it’s crucial to seek legal counsel. A personal injury attorney or insurance lawyer can help you navigate the complex process of negotiating with insurance companies. They can ensure that all your damages are properly documented and help you fight for the maximum compensation you’re entitled to.

At Fred Miller Lawyer, we specialize in helping clients secure fair settlements in the face of aggressive insurance tactics. Our team will fight for your rights, ensuring that you receive the compensation you deserve. Don’t settle for less than you’re entitled to—contact us today for a consultation.