Filing a personal injury claim after an accident should be straightforward—you were injured due to someone else’s negligence, and their insurance provider should cover your losses. However, insurance claims adjusters are trained to protect the insurance company’s assets, often by minimizing or denying claims.
From questioning your medical records to downplaying your property damages, these tactics can jeopardize your chance of receiving fair compensation. Understanding these strategies is crucial in securing the maximum compensation you deserve. Farahi Law Firm can help you navigate the claims process and fight for your rights.
1. Delaying Medical Treatment
Mistake: If you delay medical care, the insurance adjuster may argue that your injuries weren’t serious or weren’t caused by the accident.
Why It Matters: Gaps in medical treatment make it easier for the insurance company to deny your claim, saying there’s no direct link between the accident and your physical injuries.
How to Protect Yourself: Always seek medical care immediately, even if you don’t feel pain right away. Some internal injuries take time to appear. Farahi Law Firm can help you gather the necessary evidence to prove the seriousness of your injuries.
2. Denying Causation
Mistake: The insurance company may argue that your injury wasn’t caused by the accident but by something else—work, sports, or a pre-existing condition.
Why It Matters: Without clear police reports and timely medical records, proving your injury was caused by the accident becomes harder.
How to Protect Yourself: Our award-winning personal injury lawyers will work with medical experts to establish a direct link between your injuries and the accident, ensuring the insurance provider cannot shift blame.
3. Blaming You for Worsening Your Condition
Mistake: If you don’t follow the doctor’s orders or delay treatment, the insurance adjuster may claim you failed in your duty of care to mitigate damages.
Why It Matters: They may argue that your need for physical therapy or surgery resulted from your own negligence, reducing your financial compensation.
How to Protect Yourself: Always follow prescribed treatment plans and attend medical appointments. Farahi Law Firm will ensure the insurance company does not unfairly use this tactic against you.
4. Using Pre-Existing Conditions Against You
Mistake: The insurance provider may claim your pain is due to a previous injury or pre-existing condition, not the accident.
Why It Matters: They could deny your legal claim or significantly reduce your fair settlement by shifting blame away from the liable parties.
How to Protect Yourself: Farahi Law Firm will present medical evidence showing how the accident aggravated your condition, making sure you receive the fair compensation you deserve.
5. Lack of Medical Documentation
Mistake: If you don’t have complete medical records, the insurance company may argue there’s no proof of your injury.
Why It Matters: Without proper documentation, your personal injury claim becomes easier to deny.
How to Protect Yourself: Keep records of all doctor visits, diagnoses, and treatments. Farahi Law Firm can help you organize medical evidence to strengthen your case.
6. No Immediate Pain Complaints
Mistake: If you didn’t report pain at the accident scene, the insurance adjuster may argue that you weren’t injured.
Why It Matters: Symptoms of common injuries like whiplash or internal injuries may take days to appear, but insurers may use this delay against you.
How to Protect Yourself: Always mention discomfort at the scene and seek medical care immediately. Farahi Law Firm can counter these arguments and ensure you receive the maximum compensation under your insurance policy.
7. Challenging Your Treatment as Inconsistent or Excessive
Mistake: The insurance adjuster may argue that your treatment is unnecessary or inconsistent with your injuries.
Why It Matters: If your medical bills seem too high or your treatment appears irregular (e.g., large gaps between visits or excessive physical therapy), they may try to reduce or deny your fair settlement.
How to Protect Yourself: Stick to your treatment plan and ensure all visits are documented. Farahi Law Firm will work with medical experts to demonstrate the necessity of your care and prevent the insurance provider from unfairly reducing your claim.
8. Using Surveillance & Social Media Against You
Mistake: The insurance company may use photos, videos, or social media posts to claim that your injuries are less severe than you state.
Why It Matters: If they find pictures of you engaging in physical activity or traveling, they might argue that your injuries don’t justify the financial compensation you’re seeking.
How to Protect Yourself: Avoid posting about your activities while your claim is ongoing. Farahi Law Firm will ensure that misleading evidence does not harm your case and fight for your right to fair compensation.
9. Minimizing Your Injuries Based on Property Damage
Mistake: If your vehicle has minimal property damages, the insurance adjuster may argue that the accident wasn’t serious enough to cause injury.
Why It Matters: Many common injuries, such as whiplash or internal injuries, occur even in low-impact crashes, but insurers will use visible vehicle damage as a tactic to discredit your claim.
How to Protect Yourself: Medical evidence is key. Farahi Law Firm will present expert testimony and diagnostic tests proving that your injuries resulted from the crash, regardless of property damage.
10. Delaying or Disputing Your Claim Filing
Mistake: If you take too long to file your claim, the insurance company may argue that it is invalid or exaggerated.
Why It Matters: Late claims often raise fraud concerns, and insurers may claim you are filing only after consulting a legal professional, implying that your case lacks credibility.
How to Protect Yourself: File your claim as soon as possible. Farahi Law Firm will ensure all deadlines are met and that your claim is handled properly, maximizing your chances of receiving the maximum compensation available.
Farahi Law Firm Can Help You Fight Back
Navigating the claims process can be overwhelming, especially when dealing with insurance claims adjusters prioritizing their employer’s profits over your well-being. Farahi Law Firm works on a contingency fee basis, meaning you pay nothing unless we win your case.
We have successfully helped thousands of accident victims in California secure the medical treatment they needed and the financial compensation they deserved, covering medical bills, lost wages, and even non-economic damages like loss of enjoyment of life or loss of companionship.
Take Action Today!
If you or a loved one has been injured in an accident, don’t let the insurance company take advantage of you. Contact Farahi Law Firm today for a free consultation, and let us fight for your right to a fair settlement.
