In the aftermath of an injury, whether from a car accident, slip and fall, or other incidents, dealing with insurance companies can be one of the most challenging aspects.

While insurance is supposed to provide financial protection and peace of mind, many people find that their insurers are more interested in protecting their bottom line than in offering fair compensation.

Here’s how insurance companies often take advantage of injury victims and what you can do to protect yourself.

1. Lowball Settlement Offers

One of the most common tactics used by insurance companies is offering a lowball settlement. After an injury, you may be eager to resolve the matter quickly to cover medical expenses and other costs. Insurance adjusters know this and may offer a settlement that is far less than what you deserve. They hope you will accept this initial offer without understanding the full extent of your damages or consulting with an attorney.

2. Delaying the Claims Process

Another strategy is to delay the claims process. Insurance companies may drag their feet in processing your claim, hoping that you will become frustrated and desperate enough to accept a lower settlement. Delays can also pressure you financially, especially if you are unable to work due to your injuries. This tactic is designed to wear you down and push you into accepting less than what you’re entitled to.

3. Disputing Liability

Insurance companies often dispute liability to avoid paying claims. Even when it seems clear that their policyholder is at fault, insurers may argue that you were partially or entirely responsible for your injuries. They may scrutinize your actions leading up to the incident and use any discrepancies to reduce or deny your claim.

4. Downplaying Injuries

Another common tactic is downplaying the severity of your injuries. Insurance companies may question the necessity of your medical treatments or argue that your injuries are not as serious as you claim. They might hire their own medical experts to provide opinions that minimize your injuries, reducing the amount they have to pay.

5. Using Your Statements Against You

Insurance adjusters often try to obtain statements from you shortly after the accident when you are vulnerable and may not fully understand the extent of your injuries. They may ask leading questions or take your statements out of context to use against you later. Anything you say can be used to dispute your claim or minimize the compensation you receive.

6. Pre-Existing Conditions

Insurance companies may attempt to attribute your injuries to pre-existing conditions rather than the accident. They will scour your medical history for any previous injuries or conditions that they can use to argue that your current injuries are not related to the incident. This tactic can significantly reduce your compensation if you are not prepared to counter these claims.

7. Requiring Unnecessary Documentation

Insurers may demand excessive and unnecessary documentation as a way to delay your claim or create hurdles. They might ask for detailed medical records, employment records, or other documents that are difficult to obtain. This tactic can frustrate claimants and delay the process, putting additional pressure on you to settle for less.

How to Protect Yourself

Understanding these tactics is the first step in protecting yourself from being taken advantage of by insurance companies. Here’s what you can do:

1. Consult with a Personal Injury Attorney

Hiring an experienced personal injury attorney can make a significant difference. An attorney can help you navigate the claims process, negotiate with insurance companies, and ensure that you receive fair compensation. They understand the tactics used by insurers and can counter them effectively.

2. Document Everything

Keep detailed records of all your medical treatments, expenses, and communications with the insurance company. This documentation can provide crucial evidence to support your claim and refute any attempts to downplay your injuries or dispute liability.

3. Don’t Accept the First Offer

Never accept the first settlement offer without consulting an attorney. Initial offers are often much lower than what you deserve. An attorney can help you understand the true value of your claim and negotiate a fair settlement.

4. Be Cautious with Statements

Be careful about what you say to insurance adjusters. Avoid giving recorded statements without consulting your attorney, as anything you say can be used against you.


Dealing with insurance companies after an injury can be a daunting and frustrating experience. They often use various tactics to minimize payouts and protect their profits.

By understanding these tactics and taking proactive steps, such as consulting with a personal injury attorney and meticulously documenting your case, you can protect your rights and secure the compensation you deserve.

If you’ve been injured in Los Angeles, don’t let the insurance companies take advantage of you—seek professional legal help to navigate the complex claims process.

Contact The Law Offices Of Gerald L. Marcus for immediate help at 818-784-8544.