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Insurance companies use a variety of tactics to deny or devalue injury claims. These companies have learned that they can get away with making low settlement offers by making an offer soon after your loss. These insurance adjuster tactics prey on your inexperience and vulnerability.

The sooner you contact an established personal injury attorney, the better protected you are from being taken advantage of in this way.



Insurance companies know you’re less likely to fight them on your own. They’re hoping you will accept their first settlement offer because you don’t understand the fair value of your claim. Let an experienced accident attorney negotiate with the insurance company on your behalf.

When denying the insurance company’s initial offer, expect the following actions:

  • Prepare for delays
  • Make sure you and your personal injury lawyer are on the same page
  • The language used in the offer letter may be confusing

Unfair insurance claim tactics often include an adjuster presenting himself as an “expert” in all matters relating to your case. This claim is intended to convince you to accept whatever offer they make because they know best.



When an insurance company fails to adhere to the terms of their policies or unreasonably delay or deny payment on a claim, they are being deceptive.

The following list includes reasons to pursue a bad faith claim against an insurance company:

  • Failing to promptly and thoroughly investigate a claim
  • Deliberately delaying payment
  • Unreasonably denying benefits to a claim
  • Refusing to settle a case
  • Failure to fully reimburse your rightful claim
  • Resorting to unreasonable interpretations when translating the language of the policy



An adjuster is willing to watch you suffer for as long as possible, hoping that you will get tired and give up. They know you want closure more than anything else. You shouldn’t have to deal with this kind of injustice. At Sweet James, our skilled accident attorneys make sure you receive the fair compensation you deserve. We recognize when an insurance company is treating you unfairly and trying to trick you into accepting a low settlement. And we will not let them get away with it.

If an insurance company is handling your claim in bad faith, call (800) 500-5200 for a free strategy session. Get a personal injury lawyer dedicated to your needs. We are available 24 hours a day, 7 days a week to speak with you.

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