If you are pursuing a personal injury claim, you should know how adjusters behave if you are to overcome their tactics. Below are some of the tactics to expect and how you can overcome them.
Liability or Coverage Denial
One of the oldest adjuster tricks on the book is to deny liability or coverage. The adjuster might say that their client is not liable for your damages or that the injury is excluded from the damages. The denial is a test to see how far you are willing to go to get your compensation. Some people just give up at the first denial, and the insurance company is counting on that.
Most of these false denials are oral rather than written. Your best course of action is to ask for an official (written) communication from the insurance company detailing the reason for the denial. You can use the official document to instigate a lawsuit against the defendant. In many cases, however, the adjuster will change their tune when you make such a request.
Insurance adjusters know that people want to get compensated as soon as possible after an accident. The adjuster might take advantage of your need for quick money to offer you a low settlement if you can accept it within a short deadline.
Deal with this tactic by quantifying your damages and demanding the right compensation for your injury. Note that you don't have to settle soon after your accident. In fact, it's best to wait until you hit your point of maximum medical recovery. That is when you will know the true estimate of your damages.
Some adjusters opt to prolong the negotiations instead of hastening settlement. In this case, the adjuster's hope is that you will get tired of the back and forth and accept whatever offer is on the table. If you know that this is what the adjuster is doing, request the adjuster to give you their last and final offer in writing. That way, you will be able to tell whether the adjuster is serious with their low offer or not.
Another tactic is for the adjuster to ask you to provide a recorded statement. Making a recorded statement, especially soon after your injury, is likely to do you more harm than good. For example, you might slip up and forget some of your damages, and the adjuster will seek to limit your compensation to the ones in your recorded statement. If you have to make a recorded statement, do it in consultation with your attorney.
For more help while dealing with adjusters, work with a personal injury attorney on your case.