How do insurance adjusters make low offers to maximize profits for their employers? There are several tactics that insurance adjusters use to minimize the exposure of insurance companies when you’ve been injured in an accident due to someone else’s negligence. The first tactic is to turn the “friendly” side of their personality up to “full on” in an attempt to gain your trust and make it seem as if they are looking out for your interests.
The second tactic relates to time. Insurance adjusters want to settle your case quickly. If they offer a settlement quickly call us immediately for a free consultation at 949-305-1400. The harder they push to settle the more you should seriously consider contacting our office. After more than 40 years of experience with accidents involving injury, I can tell you that many injuries do not fully present for weeks and sometimes months.
You may “feel” ok after an accident, and accept a quick offer from the insurance adjuster assuming you have few or no injuries. Three months after you cash that check, your neck and back begin to ache, and a few weeks after that the damage to discs in your vertebrae and the muscles surrounding the spinal column results in searing pain. You are forced to miss work, and seek medical treatment only to find that none of it is covered, and the small check written by the insurance company will not cover the costs you now face.
It is not unusual for an insurance adjuster to discourage you from seeking your own attorney. This is poor advice, and it is definitely in your own interests to seek representation from an experienced and proven personal injury attorney. Insurance adjusters are incentivized to reduce the costs and maximize profits for their employers – the insurance companies. Insurance adjusters make low offers in an attempt to end things quickly and distract you from the real settlement you deserve. We can provide hundreds of examples where the initial offer from the insurance company is a small percentage of what our clients actually received.
Finally, it is important for you to know that insurance companies carefully track personal injury attorneys. They keep careful records regarding the actual trial experience of each attorney (if any), the skills they possess and the verdicts they have achieved. A significant amount of high profile injury attorneys settle every case they take, and often for much less than what their clients could have received. Insurance companies know which attorneys settle for less, and take advantage of that information when making their offers. How do we know this? I worked for the major insurance companies for the first 20 years of my career. I know their tactics and strategies. This inside experience and knowledge combined with my trial skills and track record of success helps me to achieve better results for my clients.
If you have been injured in an accident due to someone else’s negligence I invite you to review the strong recommendations of our clients and the legal industry and contact me or call to speak with me personally for a free consultation at (949) 305-1400. Learn more about how insurance adjusters make low offers, and how we can protect you and achieve the best possible outcome in your case.