Tactic #1: The 24-Hour Call
Within 24-48 hours of your accident, an adjuster will call sounding helpful. Every word is recorded. "I'm feeling okay" becomes evidence against you. Decline all recorded statements until you've spoken with an attorney.
Tactic #2: The Quick Settlement Offer
Before you know the full extent of your injuries, they offer you a check. It sounds generous. Studies show accident victims with attorneys receive settlements 3.5x higher on average. That quick offer is designed to close your case before you realize what you deserve.
Tactic #3: The "Independent" Medical Exam
Their IME doctor is anything but independent — paid by the insurance company to consistently under-diagnose injuries. We counter IME reports with our own medical experts.
Tactic #4: Social Media Surveillance
A smiling photo at a family dinner becomes "evidence" you're not injured. Lock down your accounts immediately and stop posting.
Tactic #5: Strategic Delays
They delay processing hoping financial pressure forces you to accept a lowball offer. Our attorneys know exactly how to force their hand legally.
Tactic #6: Comparative Fault
Even in clear-cut cases, they'll argue you were partially at fault. Every percentage point reduces your recovery. We use accident reconstruction experts and legal analysis to counter this.