The Tactics Insurance Companies Will Use in Personal Injury Claims
When you file a personal injury claim in Henderson, it may seem like insurance companies are there to help. But in reality, their goal is to pay as little as possible. Accident victims in Henderson should understand that insurance adjusters are not on their side. They use different tactics to protect their money, not your well-being. This is why having a Henderson personal injury attorney by your side from the beginning is so important. An experienced lawyer knows these tricks and can fight for your fair compensation.
Let’s look at the common tactics insurance companies use in personal injury claims — and how to protect yourself from them.
1. Quick Low Settlement Offers
One of the first things insurance companies do is offer you money quickly. This may seem like a good thing, especially if you are struggling to pay bills. But these offers are often much lower than what your claim is really worth. The goal is to get you to settle fast before you fully understand your injuries or how long recovery will take.
Tip: Never accept a settlement without talking to a Henderson personal injury attorney. Once you accept the offer, you can’t go back and ask for more later — even if your condition gets worse.
2. Delaying the Process
Insurance companies sometimes drag things out on purpose. They might take a long time to respond to your calls, delay paperwork, or say they’re still reviewing your case. They know that the longer you wait, the more desperate you may become for money.
Tip: Stay patient, keep all communication records, and let your lawyer handle the delays. A legal expert can push them to move faster.
3. Blaming You for the Accident
Another common tactic is trying to put the blame on you — fully or partially. If they can show you were even a little at fault, they can reduce or even deny your payment. This tactic works well if you don’t have a lawyer who can defend your side of the story.
Tip: Don’t talk too much to the insurance company without legal help. Even a small slip-up in your words can be used against you later.
4. Requesting Too Much Information
Sometimes, insurers ask for your full medical history — not just the part related to your injury. They want to find past issues they can blame your current pain on, instead of the accident. This way, they can say your injuries are not from the accident and deny your claim.
Tip: Always check with your lawyer before giving them full access to your medical records. A Henderson personal injury attorney will know what’s relevant and what’s not.
5. Using Private Investigators or Social Media
Insurance companies may hire people to watch you or look at your social media accounts. If you post a photo smiling or doing anything active, they might claim you’re not really injured.
Tip: Be very careful about what you post online while your case is going on. Even a normal post can be misunderstood or used unfairly.
6. Telling You That You Don’t Need a Lawyer
Some insurance companies will tell you, “You don’t need a lawyer, we’ll take care of you.” This may sound comforting, but it’s a big red flag. They are not on your side — they work for their company, not for you.
Tip: Always talk to a Henderson personal injury attorney before agreeing to anything. A lawyer works for YOU and will make sure you are treated fairly.
Final Thoughts
Insurance adjusters are skilled at making you think they’re being fair. But many times, they are only protecting their own interests. Knowing these tactics helps you stay prepared. But having the right legal support can make all the difference.
Don’t face these challenges alone. If you or a loved one is dealing with a personal injury claim, talk to a personal injury attorney as soon as possible. They know how to handle these tricks — and how to get you the compensation you truly deserve.
