Insurance Adjuster Tactics — and How to Protect Your Claim

The Insurance Adjuster Is Not Your Friend

The adjuster may sound friendly and concerned, but their job is to close your claim for as little as possible. Understanding their playbook helps you avoid costly mistakes.

The Early Lowball Offer

Adjusters often push a quick settlement before you know the full extent of your injuries. Once you accept, the case is closed — even if your condition worsens. Never accept an offer before your treatment is complete.

The Recorded Statement Trap

They'll ask for a recorded statement "to get your side." These are designed to find inconsistencies they can use to deny or reduce your claim. You are not required to give one to the other driver's insurer.

Delay Tactics

Insurers may stop returning calls, request the same documents repeatedly, or stall until you're desperate enough to accept less. Delays also push you closer to the statute of limitations deadline.

The "Pre-Existing Condition" Argument

If you had any prior treatment for a similar issue, they'll argue your current injury isn't their fault. Medical records and expert opinions connect your new injury to the accident.

Surveillance and Social Media

Adjusters may monitor your social media or hire investigators, looking for any activity that contradicts your claimed limitations. Set your profiles to private and don't post about your activities.

Let an Attorney Handle the Insurer

When you have representation, adjusters deal with your lawyer — not you. The Law Office of Michael V. Jehdian has countered insurer tactics since 1996. Call 888-977-8899.