The top secrets that car insurance adjusters don’t want you to know about your claim for an accident in 2025
After a car crash, the aftermath can be stressful. When it’s time to make a claim, however, you are suddenly thrown into a confusing world of Car Insurance jargon and fine print. Car Insurance adjusters are there to help you. They’re friendly, professional, and seem to be on your side. Insurance adjusters are not on your side. They work for the insurance companies.
What is their job? Their job? While they may not tell you directly, they have many secrets that they would rather you didn’t know. This post will reveal the top secrets that Car Insurance adjusters do not want you to be aware of about your auto accident claim. Knowing these secrets can help you receive the compensation you deserve.
1. First offer is almost always a lowball
Offer you a quick payment. This is one of the oldest tricks. This is tempting, especially when the bills start piling up. The first offer you receive is usually much lower than the actual value of your claim.
Why?
The adjusters know that by accepting early, they waive the right to later seek compensation for new repair shop problems.
Tip: Do not accept an offer before consulting with a lawyer and understanding your full damages.
2. You don’t have to give a recorded statement
The adjusters will often request a recorded statement to make it seem mandatory or “routine”. However, legally, you are not required to give one to the insurer of the other party.
Why it matters
Your words may be used against you. Even simple statements like “I’m fine”, “I didn’t see them coming”, or “I wasn’t aware of their presence” can be used to deny or reduce your claim.
Tip: Politely refuse until you have spoken with a legal professional.
3. Delaying tactics are intentional
Have you ever noticed how sometimes adjusters drag out the process of adjusting claims? They don’t respond to emails, they delay investigations, or they keep asking for “more information.”
Here’s a game to play:
They hope you will get frustrated or desperate and accept something less than what you deserve to just be done.
Tip: Document all interactions and follow-ups in writing. It may be necessary to hire an attorney if things are taking too long.
4. Repair Bills Are Not the Only Things That Can Be Reimbursed
Some Car Insurance companies focus on reimbursement of repair costs or auto repairs. It’s just a small part of the picture.
You might be entitled to:
- Lost Wages
- Pain and suffering
- Emotional distress
- Loss of Quality of Life
- Future medical costs
Tip: Do not let the adjuster limit the scope of your claim. You are entitled to full compensation.
5. You have the right to choose your own repair shop
They will often “recommend” a repair shop. Remember that their recommendations are often in the best interest of the Car Insurance company and not you.
The Truth:
You are not required to use their doctors or shops. You are free to select the professionals that you choose.
Tip: Always get a second opinion on car damage.
6. Adjusters are trained to minimize payouts
They receive specialized training in negotiation and psychology. Their goal? Their goal? To settle your case quickly and inexpensively, while giving you the impression that you are getting a good deal.
They learn how to:
- You can still sound empathetic and offer less
- Get admissions by using friendly conversation
- Feel like they are doing you a favour
Tip: Be polite, but firm.
7. The Statute of Limitations Is a Double-Edged Blade
In most states, you have a limited time (often 2 to 3 years) within which you can sue after an accident. The adjusters are aware of this and may intentionally delay communication to extend the time limit.
Tip: Be aware of the statute of limitations in your state and do not let it expire. You lose your right to compensation once the time limit expires.
8. It’s not necessary to be in a lawsuit to hire an attorney
One of the most common myths is: “Hiring an attorney means going to court.” Wrong. Personal injury lawyers often settle cases without ever having to enter a courtroom.
What’s this? Even after attorney’s fees, studies show that accident victims who hire an attorney typically recover more.
Tip: Consultations are often free. An attorney can provide valuable advice, even if you do not hire them.
9. Sometimes, totaling your car is just a cost-saving strategy
Even if your car can be repaired, the insurance company may declare it a total loss if it is severely damaged. Why? Why?
Tip: Ask for the breakdown of how your vehicle was valued. In some cases, you can negotiate the price or keep your car.
10. You are allowed to negotiate–and you should!
The adjusters want you to accept their initial offer. Insurance settlements can be negotiated.
There’s always room for negotiation, just like when buying a new car. The more evidence you can provide (repair invoices, medical records, lost income), the better your case will be.
Tip: Be ready to go backwards and forwards. Persistence pays off – literally.
Conclusion
Car Insurance companies are businesses that make money. Insurance companies are for-profit businesses. They train their adjusters to minimize the value of claims, slow down the process, and discourage people from seeking assistance.
Now that you have their secrets, it’s like you are already ahead.
Don’t let your insurance company control the recovery process after a car crash. Get the help you need, whether it’s an attorney or a mechanic who is trusted, by knowing your rights and understanding the game.
Quick Recap – What adjusters don’t want you to know
- You can refuse the first offer
- You do not need to make a recorded statement
- You are entitled to more than repair costs
- Delay tactics can be strategic
- You can hire an attorney without suing
- Always be prepared to negotiate
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Read More:- How Much Does a Car Accident Lawyer Cost in South Carolina?
