After an accident, it is easy to assume the other side’s insurer is there to help. But an insurance company is a business, and its goal is to pay as little as possible – often before the true value of your injuries is clear. Knowing their tactics is the first step to protecting your claim.
The Early Lowball Offer
A fast offer often arrives while you are still treating and worried about bills. But it is calculated before anyone knows your full injuries – and once you sign a release, the claim is closed for good, even if you get worse. A check that looks generous today can fall far short later.
Recorded Statements & Social Media
Adjusters may ask for a “quick recorded statement” to lock you into early descriptions and find inconsistencies. They also monitor social media – one happy photo can be spun into “proof” you are fine. You are generally not required to give the other insurer a statement, and anything public can be used against you.
Disputing Fault & Treatment
When that fails, insurers call your treatment “excessive,” blame pre-existing conditions, or pin part of the blame on you. California’s pure comparative negligence rule reduces your payout by your share of fault – so every point they assign is money lost. Documenting everything and getting advice early is the best defense.
Helpful Resources & Links
California Department of Insurance – Consumer Information
Insurance Information Institute – The Claims Process
Ellin Mardirosian Law – Practice Areas
Ellin Mardirosian Law – Free Consultation
Speak With Ellin Mardirosian Law
Injured? Your consultation is free and confidential. Call (747) 310-5200 – English, Spanish, and Armenian. No fee unless we win.
