We pulled back the curtain on the playbook insurance companies use against unrepresented accident victims. Read this before you accept any offer.
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The adjuster's first offer is designed to anchor your perception of what's fair. Studies show people rarely negotiate more than 15-20% above the opening number — regardless of what the case is actually worth.
They ask you to give a recorded statement 'for their records.' Your words will be used to minimize your injuries and find inconsistencies in your story.
They push you to settle before you understand the full extent of your injuries. Once you sign, there's no going back — even if your condition worsens.
Adjusters are trained to find evidence that your injuries were pre-existing or less severe than you claim. They pull medical records looking for ammunition.
Even when liability is clear, they dispute that your injuries were caused by the accident. This creates doubt and reduces what they're willing to pay.
Without Attorney
$31K
Avg settlement, unrepresented
With Attorney
$77K
Avg settlement, represented
No obligation. No upfront fees. Takes 60 seconds.