Close the window
Motor Vehicle Accident

5 Tricks Insurance Companies Use Against You

Learn how to safeguard your rights when dealing with insurance companies after an accident.


Are you dealing with an insurance claim?

Beware of the tricks insurance companies play to deny your compensation. This blog unveils 6 common tactics and equips you with strategies to safeguard your rights.

The information in this blog is for general knowledge only. For personalized advice on your specific situation, consult with a legal professional.

1. Lowballing Offers: Don't Settle for Less

When it comes to settling claims, be prepared for initial offers that may not reflect the true extent of your losses. Insurance companies often start with low offers, aiming to minimize payouts.

For example, if you've suffered injuries in a car accident, an early settlement offer may not consider the full extent of your medical expenses, ongoing rehabilitation, or potential long-term impacts on your quality of life.

In these situations, relying on the expertise of a legal professional can be helpful. They are able to meticulously assess the possible consequences of the incident to make sure that your compensation aligns with the comprehensive impact it has had on your life. By seeking legal counsel, you empower yourself to navigate the complexities of insurance negotiations and secure the compensation you rightfully deserve.

2. Prolonging the Process

Insurers might intentionally prolong the claims process, putting pressure on you to accept a smaller settlement out of desperation. Imagine facing mounting medical bills after a car crash, and the insurer deliberately stalling the process.

In such trying situations, seeking legal advice becomes a crucial step. Legal professionals can expedite your claim and help you gain the necessary support to navigate the complexities of the claims process efficiently. This is a proactive approach that safeguards your interests, making sure that the settlement you receive is just and reflective of the true extent of your losses.

3. Blaming the Victim

When an insurance company tries to shift blame onto you or other parties involved in an accident, the goal is to reduce the value of your claim.

For instance, if you're involved in a rear-end collision while waiting at a red light, the insurance company representing the at-fault driver may try to allege negligence on your part, implying that you contributed to the accident. They might argue that you abruptly stopped or changed lanes without signaling, suggesting that your actions played a role in the collision.

This tactic is strategically used to minimize the compensation they might have to pay. By shifting some blame onto you, the insurer aims to reduce the overall amount they're obligated to cover for damages, such as vehicle repairs, medical expenses, and other losses.

In such a situation its helpful to have an experienced attorney by your side. Your attorney would counter these allegations by investigating the accident thoroughly. They might obtain traffic camera footage, witness statements, or expert opinions to demonstrate that the other driver's actions were the primary cause of the collision.

This approach helps establish the true liability, protecting your rights and ensuring you receive fair compensation for the damages you've incurred in the motor vehicle accident.

4. Use Recorded Statements Against You

Insurance adjusters often seek recorded statements, a potential risk if not handled carefully. Your lawyer will guide you on what to say and what to avoid.

Imagine you've been in a car accident, and an insurance adjuster contacts you to provide a recorded statement, the adjuster may ask questions designed to elicit specific responses that could be used against you later.

Without legal guidance, you might inadvertently say something that could be misconstrued or taken out of context, impacting the outcome of your claim.

With a lawyer by your side, you have a knowledgeable advocate who will guide you on what to say and, more importantly, what not to say during recorded statements. They understand the nuances of insurance company tactics and can help you provide accurate information without jeopardizing your claim.

In this scenario, most probably your attorney might advise you to stick to the facts, avoid making assumptions or speculations, and refrain from accepting blame for the accident. This strategic approach helps protect your rights and ensures that the recorded statement aligns with your best interests when seeking compensation for your injuries and damages after the accident.

5. Deny Valid Claims

Experiencing the denial of a valid insurance claim can be a daunting setback, leaving you frustrated. To avoid a denied insurance claim, begin with strategic measures immediately after the motor vehicle accident.

The key to a successful claim lies in proactive and informed steps. Here's how to shield yourself from the common pitfalls that could lead to claim denials:

  • Ensure the accident is promptly reported to your insurance company. Delayed reporting can raise suspicion and provide insurers with grounds for denial.
  • Take detailed photographs of the accident scene, damages, and injuries. Gather contact information from witnesses.
  • If you suffer from injuries, seek immediate medical attention. Prompt medical records are vital for linking injuries to the accident and reinforcing your claim.
  • Consult with a legal professional specializing in motor vehicle accidents. Their expertise helps you navigate complexities, anticipate potential issues, and strengthen your claim against unjust denials.

By proactively taking these steps and involving legal counsel early in the process, you significantly reduce the risk of claim denial. Remember, prevention is key, and a well-documented, legally guided approach sets the foundation for a successful insurance claim after a motor vehicle accident.


By understanding these tactics used by insurance companies, you can protect your rights, maximize payouts, and avoid falling victim to their strategies. Seeking legal advice from the right personal injury lawyer is a powerful way to get a fair and just outcome for your insurance claim.

Free Case Consultation

To schedule your free and confidential case review call us at (844) 997-5100 or fill out the contact form below.

Select arrow pointing down
Select arrow pointing down
We treat personal data in accordance with our privacy policy.
Thank you, your submission has been received.

Our team will be reviewing soon and will contact you within 72 hours.

Oops! Something went wrong while submitting the form.
By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. View our Privacy Policy for more information.