UNDERSTANDING THE INSURANCE COMPANY’S TACTICS

Insurance companies spend millions convincing you they are “on your side” or that you are “in good hands.” Unfortunately, the reality is far different. Insurers are businesses, and their priority is profits—not your well-being. Recognizing their tactics is essential to protecting yourself.

Their first strategy is deny and delay. Insurance companies know that every day your claim is unresolved, they earn money by investing funds that should go to victims. Multiply this across many hundreds of thousands of claims, and the profits are enormous. The delays in approving car repairs; providing rental vehicles; ok’ing/paying medical bills, reducing med bill payments, are all designed to wear you down. If you lack transportation, you may miss medical appointments or legal consultations, further reducing the value of your case. Thus, there is no reason for them to rush to get you a vehicle or doctor.

Another tactic is quick lowball offers. After an accident, you may receive a call, with what seems like an easy solution: fast money in exchange for signing away your rights. The problem? Early offers rarely account for ongoing medical treatment, future pain, or loss of income. Once you sign, you can’t reopen the claim.

Insurance adjusters are also trained in manipulative questioning. They may sound friendly while casually asking about your activities. For example, “It looks like a great day for golf in the CV—do you play?” If you answer yes and mention a recent round of golf, they may later argue that you could not have been seriously injured. Even innocent conversations can be twisted into evidence against you.

Another strategy involves property damage claims. If your vehicle shows minimal damage, insurers argue you could not have been seriously hurt. They may pressure you to use their “preferred” body shops, which often cut corners to reduce repair costs, creating lower property damage reports. These reports, in turn, are used to diminish the value of your injury claim.

Insurance companies may also conduct sub rosa investigations—secret surveillance, where investigators follow you, record your activities, and look for inconsistencies. If you tell a doctor you can’t lift heavy items, but they capture you carrying heavy groceries from Costco, your credibility suffers. Even if you were pushing through pain, the video tells a different story.

Perhaps most concerning, adjusters now undergo performance reviews, based on how much money they save the company. This creates an incentive to deny legitimate claims, underpay settlements, and frustrate accident victims into giving up. One of our accident cases was just settled in late August 2025, for $9,000,000. The insurance company had argued to everyone that it was our client’s fault, and thus 3 law firms rejected the case.

The bottom line: insurance companies are not your friend, and you are “not in good hands”. Their goal is to minimize payouts, even if it means twisting your words or delaying your recovery. Protect yourself by remaining silent, documenting thoroughly, and relying on your attorney to handle all communication. Remain Silent, let your attorney handle everything.