Insurance adjusters appear helpful. They speak kindly, ask questions, and promise swift resolutions. But behind that friendly voice hides a mission: protect the insurance company’s bottom line. They record your statements, downplay your injuries, and twist your words. Every move they make aims to reduce payouts, not offer fairness.
Injured victims often learn too late that silence or misplaced trust costs them dearly. People often get legal support from Hach & Rose, LLP, a trusted name for those seeking fair treatment after life-altering accidents. This piece reveals why trusting an insurance adjuster may hurt your claim.
They Serve the Insurance Company, Not You
Insurance adjusters work for the insurer. Their job involves limiting payouts, not offering fairness. No matter how friendly or helpful they sound, they focus on saving money for the company. Every question they ask, every form they send, and every “suggestion” they make pushes toward that goal.
They receive training on how to shift blame, undervalue injuries, and pressure you into quick settlements. Their loyalty never lies with the injured.
They Record Your Words to Use Against You
From the moment you speak to an adjuster, every word becomes a potential tool against your claim. They may ask how you feel, where you hurt, or what you remember. They often phrase questions in ways that trap you into accepting fault or minimizing your injuries.
Once recorded, your statements will be entered into the case file. Later, they highlight your own words to argue that your pain lacks severity or that you accepted some blame.
They Push for Quick, Lowball Settlements
Adjusters often rush victims into accepting early offers. They may promise fast payment and claim that the amount covers everything. But at that stage, you might not know the full cost of your injuries.
Medical bills, lost wages, and future treatment often exceed that first check. Once you agree on an offer and sign a release form, you forfeit the right to ask for more, even if your condition worsens.
They Downplay Your Injuries
Adjusters often claim your injuries appear minor or unrelated to the accident. They review medical records skeptically and challenge treatments or recovery time. If they see gaps in your medical visits, they argue that your condition has improved.
If you delay seeking care, they suggest your injuries lack seriousness. Every tactic aims to reduce the value of your claim, not reflect your actual suffering.
They Blame You or Other Factors
To avoid responsibility, adjusters often shift blame. They may suggest you weren’t wearing a seatbelt or that weather played a more significant role than the other driver’s actions. They might cite pre-existing conditions to argue that your pain started before the crash.
In multi-vehicle accidents, they try to pin fault on other drivers or spread it across multiple people to weaken your position.
They Act Like They’re on Your Side
Adjusters often act warm and personable to lower your guard. They call frequently, check on your “progress,” and offer to handle paperwork. Behind that concern lies a strategy to gain your trust and influence your decisions. They hope you’ll speak freely, follow their lead, and respectfully accept their assessment.
In conclusion, insurance adjusters never enter a case as neutral. They protect their employer’s profits with practiced precision. Trusting them risks more than your claim, recovery, finances, and future.
