How Insurance Companies Undervalue Personal Injury Accident Claims

Mar 5, 2025

Car accidents can happen within a fraction of a second and change your life. They may bring injuries, property damage, and financial loss. The other driver’s insurance adjuster may be the first person you speak with following an accident. Their goal is to expedite and minimize the amount of money you must pay to settle your claim. Several insurance adjusters do not play fair and would instead use every trick in the book to make you give up your claim for the car accident or trick you into taking a lowball settlement offer. Let’s unveil some of the tactics that insurance adjusters use to take you for granted and express why hiring an experienced personal injury accident lawyer is key to winning your settlement.

A Job of Insurance Adjuster Is to Make Money for the Company

An insurance adjuster is an employee of the company and is mainly responsible for protecting his or her employer’s financial interests. The adjuster is not there to help the victims or to ensure fair compensation for their injuries. On the contrary, the adjuster aims to ensure that any claim is settled as cheaply and quickly as possible. Various methods may be applied to gain their interests by belittling the claim’s value and persuading a victim to agree with a lower settlement, or at times, even an aggressive and bold will grab vulnerable victims into doing what they want without having legal representation.

In the experience of LA Law Group personal injury accident lawyer, these are among the common tactics being applied by adjusters to intimidate accident victims into throwing away their car accident claims.

They Will Inflate Your Percentage of Fault

Here is yet another common way to decrease the claim amount of your car accident insurance adjusters: they will inflate the percentage of your fault. They try to take as much weight on themselves as possible to shift the load away from their company. Allegations by insurance adjusters that claim they are partly responsible for the car accident include driving above the speed limit at the time of the accident, not wearing a seatbelt, or using a phone while behind the wheel. Even if that were true, California is a pure comparative negligence state. Thus, you have the right to try to recover damages, even if you are 99% at fault for your accident.

Remember always that insurance companies will never treat you impersonally because their aim is always profit maximization. They manipulate the percentages of fault with the hope of lowering your settlement offer or even denying it’s a valid claim altogether. This means you should work with a competent car accident lawyer who is experienced in dealing with auto insurer tactics and who can negotiate with you as well. A good attorney will ensure that any attempts on your part are dealt with based on evidence and arguments.

You Will Get a Low Settlement Conditioned by Signing a Waiver

One of the common tricks the insurance adjuster likes to use is to offer you a lowball settlement conditioned on signing a waiver of liability for damages arising from the accident. A waiver is a written agreement that releases the other party from responsibility. Additionally, signing it gives up the right to pursue them for any further damages.

Insurance adjusters prey on trauma victims and lure them into accepting a quick settlement that is far less in value than what they deserve; they know that victims are usually more eager to accept quick cash rather than wait months for full compensation because they need money fast to recover. You can also remember that signing such a waiver is a dead-end. After that, no more claims could be filed in the future, nor could one seek other or further compensation, even if later his bills keep mounting or his injury worsens.

Let an LA Law Group Personal Injury Accident Lawyer Win Your Settlement!

If you are ever in a personal injury accident, you must consider that insurance adjusters are trained to make profits for their company; hence, they will do anything to minimize your claim and offer the lowest settlement possible. This is why it is crucial to have an experienced personal injury lawyer in Culver City fighting to protect your rights and obtain your rightful compensation. A skilled attorney will know how negotiations with the insurance firms are done and will represent your interests with a strong case based on negligence in your favor.
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