Unmasking Common Car-Accident Insurance Tactics (and How to Beat Them)

After a crash, most people expect the insurance company to “do the right thing.” Reality check: insurers are profit-driven, and many use tested playbooks to minimize payouts. Here are the most common tactics and practical ways to protect yourself.

1) The Quick, Lowball OfferWithin days of the collision, you may get a friendly call and a check that feels “good enough.” The goal is to settle before you understand the full value of your claim (future treatment, lost wages, pain and suffering, diminished value). Don’t sign until you’ve completed medical evaluations and understand all losses.

2) The Recorded Statement TrapAdjusters often say they “just need your side of the story.” Recorded answers can be used to downplay injuries, shift blame, or exploit inconsistencies. You can politely decline or insist on speaking after consulting an attorney.

3) The Broad Medical ReleaseA blanket authorization lets the insurer sift through years of records to blame your injuries on “pre-existing conditions.” Offer a narrow, time-limited release tied to the body parts and timeframe actually involved.

4) Delay, Deny, DeflectStalling is strategic. Missed calls, “waiting on paperwork,” or requests for duplicate documents create financial pressure that pushes you toward a cheap settlement. Keep a claim diary, send follow-up emails, and set clear deadlines.

5) “You Were Partly at Fault”Even mild suggestions “You were going a little fast, right?” aim to reduce what they owe under comparative fault rules. Stick to facts, avoid speculation, and gather independent evidence: photos, witnesses, dashcam footage.

6) The “Independent” Medical ExamThese doctors are frequently hired by insurers. Reports may question your pain, causation, or need for treatment. Bring a support person, document the visit, and ensure your treating providers address any disputed findings.

7) Social Media SurveillancePhotos of you smiling at a birthday party can be spun as “fully recovered.” Lock down privacy and avoid posting about the crash, injuries, or activities.

8) Property Damage ShortcutsUndervaluing repairs, refusing OEM parts, ignoring diminished value, these are common. Get independent estimates and keep every receipt.

How to Protect Yourself - Starting Today

• Get medical care immediately and follow through.

• Document everything: symptoms, missed work, out-of-pocket costs.

• Communicate in writing when possible; be concise and factual.

• Avoid recorded statements and broad releases.

• Talk to an attorney early, before negotiations begin.

You get one chance to settle your claim right. If you’ve been in a car accident and suspect the insurer is playing games, we can step in, level the field, and pursue the full value of what you’ve lost. Contact Brinkley Law at 317.766.1379 for a free evaluation before you sign anything.