It's Not
Personal, it's Their Process.
Understanding common insurance tactics and knowing your legal rights in California
can make a significant difference in your case outcome.
It doesn't cost to talk. Book a free consultation directly with Yana. No pressure.
Protecring Your Rights After an Accident
Insurance companies have teams of adjusters, legal counsel, and established claims procedures that often place their financial interests first.
Recognizing their tactics early can help you avoid mistakes that could cost you thousands.
Insurance companies are in business to protect their bottom line — not to pay you what you’re entitled to. A small misstep early on can dramatically reduce a claim’s value, which is why experienced legal guidance is helpful By Garret A. Lungin, Attorney at Law.
Common Insurance Company Tactics
In California Personal Injury Cases
Not every claim involves these tactics, but understanding them can help you recognize potential issues before they affect your case.
Delaying Claims
Sometimes insurers stall investigations to pressure you into settling prematurely.
Delays can also cause medical records or evidence to become outdated, reducing the value of your claim.
Blaming You for Partial Fault
In California, comparative negligence rules allow insurers to reduce your settlement if they claim you were partially at fault. Insurers may emphasize minor mistakes, even when your role in the accident was minimal.
Questioning Medical Treatment
Insurers often scrutinize every medical visit, questioning necessity or timing, aiming to reduce compensation.
They may pressure you to see their own doctors or sign releases that could limit your future claims.
Recorded Statements and Written Correspondence
Adjusters sometimes ask for recorded statements or written answers under the guise of “fact-finding.”
Anything you say can be used against you, even if it seems harmless.
Lowball Settlement Offers
Adjusters often present quick, “take-it-or-leave-it” offers shortly after your accident, hoping you’ll accept out of fear or financial stress. These offers rarely reflect the full value of medical bills, lost wages, or future damages.
You are not required to give a recorded statement to the at fault parties insurnce company. Speaking without legal guidance can jeopardize your case.By Garret A. Lungin, Attorney at Law.
Who Has Burden of Proof?
If your're making a personal injury claim, you generally have the burden of prooving your case.
In Californian, that burden is called "preponderance of the evidence". Simply put, it means showing that your version of what happened is more likely than not true.
Evidence comes in many forms:
🔘 Photographs
🔘 Witness Statements
🔘 Police Reports
🔘 Medical Records
🔘 Video Footage
🔘 Physical Damages
Together, they may help support your side of the story.
Insurance Companies Aren't Neutral. They Have a Financial Interest.
Insurers sometimes attempt to reduce recovery by referencing pre-existing conditions. A skilled personal injury professional can demonstrate the accident caused new or worsened injuries, protecting your claim.
Many people think insurance companies are neutral. They are not.
They have a financial incentive to minimize payouts.
Know the Play Before You Make Your Move.
Insurance tactics can be subtle and confusing, but you don’t have to navigate them alone. Having an experienced personal injury professional can make all the difference in the outcome of your claim.
Get Answers Before Speaking With Insurance Company
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