Insurance Company Tactics After an Injury
Quick Answer
Carriers reduce claim value through fast lowball offers, recorded statements, broad medical authorizations, surveillance and social media review, and delay while your bills mount. You are not required to give the at-fault carrier a statement or unlimited access to your records.
Key Takeaways
- You may decline a recorded statement to the other driver's insurer.
- Never sign a blanket medical authorization covering your entire history.
- Early offers are made before future care and wage loss are known.
The Friendly Adjuster
Early contact is usually pleasant and framed as helpful. The purpose is to obtain admissions about fault, prior conditions, and daily activities before you have counsel or a diagnosis.
Delay as Strategy
Unpaid bills and lost income create pressure to accept less. A documented file, firm deadlines, and a demonstrated willingness to litigate are the practical answers to delay.