Table of Contents
Introduction: The Crash and the Ringing Phone
The world shrinks to the space inside the car.
There is the sharp, chemical smell of a deployed airbag, the spiderweb of cracks on the windshield, and the disorienting quiet that rushes in after the chaos of metal on metal.
For Alex, sitting amidst the wreckage, the adrenaline is a temporary shield, masking the deep ache that is beginning to set in.
In this high-stress, emotionally compromised state, the phone rings.1
It’s a friendly voice, introducing themselves as an adjuster from the insurance company, asking if now is a good time to talk.
This first phone call is not a customer service interaction.
It is, quite possibly, the most critical financial and legal conversation Alex will have regarding the accident.
It marks the beginning of a strategic process where every word, every hesitation, and every casual remark can be documented, analyzed, and used to determine the value of a claim.3
This guide is a roadmap for navigating that conversation and the entire claims process that follows.
It will deconstruct the adjuster’s role, illuminate the catastrophic mistakes to avoid, decode their tactics, and provide a counter-strategy for protecting one’s rights and securing fair compensation.
Section 1: Know Your Adversary: The World of the Insurance Adjuster
To strategize effectively, a claimant must first understand the motivations, pressures, and objectives of the professional on the other end of the line.
The insurance adjuster is not a neutral party; they are a trained representative of a company with a significant financial stake in the outcome of the claim.
1.1 The Adjuster’s Official Mandate
At its core, an insurance adjuster’s job is to investigate claims, determine the extent of the insurance company’s liability, and decide how much the company should pay for a covered loss.5
According to the U.S. Bureau of Labor Statistics, their primary goal is to save the company as much money as possible while settling the claim.6
This creates an inherent conflict: their fiduciary duty is to their employer, not to the claimant.
It is also crucial to understand who the adjuster works for.
Staff adjusters are direct employees of a single insurance company.
Independent adjusters are freelancers or contractors who may work for multiple insurers, often brought in during high-claim events like natural disasters.
In contrast, public adjusters are hired by and work for the policyholder to help them get a fair settlement.7
Unless a claimant has hired a public adjuster, the person they are speaking with is working to protect the insurance company’s bottom line.
1.2 A Day in the Life: The Reality of the Role
The daily reality for most adjusters is a high-pressure balancing act.
Their days are filled with a high volume of claims, requiring them to constantly switch between tasks: making initial contacts with new claimants, driving to inspections, taking photos, sketching damage, writing estimates, and reviewing police and medical reports.10
They are often interacting with people during the worst moments of their lives—after a fire, a storm, or a serious accident.1
This environment is emotionally taxing and can lead to immense stress.
Some adjusters report being threatened by angry policyholders who are frustrated by claim denials or delays, sometimes even fearing for their physical safety during site inspections.1
This context helps explain why an adjuster may seem rushed, impersonal, or focused solely on procedure; it is often a function of a heavy workload and the emotional armor required for the job.1
Their performance is frequently measured by how quickly and efficiently they can close files, adding another layer of pressure to resolve claims without lengthy disputes.14
1.3 The Adjuster’s Training and Toolkit
Insurance adjusters are not simply administrators; they are highly trained professionals.
Their training is extensive, covering insurance law, claims procedures, ethics, and, critically, negotiation.15
This education equips them with a sophisticated toolkit for managing claims.
They learn to conduct thorough investigations, analyze data using specialized claims management software, and write concise reports that justify their settlement recommendations to supervisors.15
A significant part of their training focuses on communication skills designed to elicit information and control the narrative of the claim.15
While they are trained in customer service skills like empathy and active listening, these are often professional tools rather than signs of personal alliance.5
By building rapport and creating an environment of trust, an adjuster can make a claimant feel comfortable and more likely to share information freely.19
This information—about pre-existing conditions, the claimant’s daily activities, or their recollection of the accident—can then be used to identify inconsistencies or other reasons to devalue or deny the claim.4
The empathy is a means to an end: information disclosure that can lead to claim devaluation.
This professional pressure for efficiency can, however, be leveraged.
An adjuster with a heavy caseload is incentivized to close files quickly.11
A claim that is disorganized or contentious becomes a “problem file” that consumes disproportionate time and energy.
Conversely, a claim that is well-documented, professionally presented, and supported by clear evidence is easier for an adjuster to process and justify paying.1
By making it easy for the adjuster to do their job and approve a fair amount, a claimant can align with the adjuster’s own goal of efficient resolution, potentially leading to a better and faster outcome.
Section 2: The Seven Deadly Sins of Claimant Communication
In the aftermath of an accident, a claimant’s words can become their greatest liability.
The most common and damaging mistakes are often rooted in social norms of politeness and helpfulness—instincts that the claims process is designed to exploit.
A claimant must consciously adopt a more guarded communication protocol, one that may feel unnatural but is legally essential for self-preservation.
2.1 Sin 1: The Casual Apology (Admitting Fault)
At the scene of the accident or on the phone with an adjuster, a natural human instinct is to be polite and express regret.
However, a simple phrase like “I’m so sorry this happened” can be legally interpreted as an admission of fault.3
This is then logged in the claim file and can be used to assign liability to the claimant.
This is particularly damaging in states with comparative negligence laws, where admitting even 1% of the fault can reduce the final settlement amount by that percentage.3
In Alex’s case, telling the adjuster, “I feel terrible about this,” was noted as “Claimant expressed remorse,” creating an immediate hurdle in the claim.
2.2 Sin 2: The Unrehearsed Testimony (Giving a Recorded Statement)
Adjusters will often push to get a recorded statement early in the process, framing it as a routine step “for accuracy”.22
The true purpose is to lock in a story while the claimant may still be in shock, medicated, or unaware of the full extent of their injuries.3
These recordings are legal documents that will be scrutinized for any inconsistency, however minor, between that statement and later information from medical records or depositions.27
Claimants are rarely legally obligated to provide a recorded statement and should politely but firmly decline until they have spoken with an attorney.3
2.3 Sin 3: The “I’m Fine” Fallacy (Downplaying or Speculating on Injuries)
When an adjuster asks, “How are you feeling?” the reflexive answer is often “I’m fine” or “I’m okay”.20
This is a catastrophic mistake.
Many serious injuries, such as whiplash, soft tissue damage, or concussions, have delayed-onset symptoms that may not appear for days or even weeks.23
If a claimant states they are fine early on, the insurance company will use that statement to argue that any injuries reported later are unrelated to the accident.3
The only safe response is a neutral one, such as, “I am currently undergoing medical evaluation and am not in a position to discuss my injuries”.20
2.4 Sin 4: The Open Medical File (Signing a Blanket Medical Release)
The adjuster will send a medical authorization form, presenting it as a standard requirement to verify injuries.3
However, these forms are often blanket releases that grant the insurer access to the claimant’s
entire medical history, not just records related to the accident.4
The insurer’s goal is to scour these records for any pre-existing conditions or prior injuries that can be used to argue the current symptoms are not the result of the crash.24
For instance, when Alex signed this form, the insurer found a doctor’s note about back pain from five years prior and used it to claim his current spinal injury was a pre-existing condition.
2.5 Sin 5: The Guesswork Narrative (Speculating About the Accident)
During the conversation, an adjuster may ask for details about speed, distance, or what the other driver was doing.
It is critical to stick strictly to known facts.4
Guessing or speculating can introduce inaccuracies that will be used to undermine the claimant’s credibility.3
If a claimant is unsure about a detail, the correct and most strategic answer is, “I don’t know” or “I am not sure”.3
It is far better to admit uncertainty than to provide a speculative answer that could be proven wrong later.
2.6 Sin 6: The Public Diary (Posting on Social Media)
In the modern claims process, investigators actively monitor claimants’ social media profiles.23
An innocent post can be devastating to a claim.
A photo of a claimant smiling at a family barbecue can be used to argue they are not in significant pain.
A comment about feeling “a little better today” can be presented as evidence that their injuries are minor.34
Claimants should immediately set all social media profiles to private and refrain from posting anything about the accident, their injuries, or their daily activities until the claim is resolved.
2.7 Sin 7: The Desperate Agreement (Accepting the First Lowball Offer)
The first settlement offer made by an insurance company is almost always intentionally low.4
This is a standard negotiation tactic designed to test whether the claimant is desperate for cash or unaware of the true value of their claim.22
Accepting this offer is a final decision.
Once a release is signed, the case is closed forever, and the claimant cannot seek further compensation, even if their injuries worsen or they discover they need future surgery.26
Section 3: The Adjuster’s Playbook: Deconstructing Their Tactics
The claims process is not a passive evaluation; it is an active strategy executed by the adjuster.
Their playbook is built on an imbalance of information and experience—they have handled hundreds or thousands of claims, while the claimant has likely handled only one.
Every tactic is designed to exploit this asymmetry.
3.1 Psychological Warfare: Shaping Your Perception
Adjusters are trained in the psychology of negotiation and use several techniques to gain an advantage.
- Anchoring: The first lowball offer is a psychological tactic known as anchoring. By setting an initial low number, the adjuster “anchors” the entire negotiation around that value. Subsequent offers, while still low, appear more reasonable in comparison, making the claimant more likely to accept a settlement that is far below the claim’s actual worth.37
- Framing: Adjusters carefully frame questions and statements to influence perception. For example, saying “your policy covers 90% of the damage” sounds much more positive than the equally true statement, “your policy excludes 10% of the damage”.40 This framing can make a settlement seem more generous than it is.
- Creating Urgency: An adjuster might suggest an offer is “only available for a limited time” or pressure for a quick decision.37 This artificial time pressure is designed to provoke a fear of loss and push the claimant into making a hasty decision before they have had time to fully assess their damages or consult with an attorney.
3.2 Procedural Obstacles: The Strategy of Frustration
Beyond psychological tactics, adjusters can use the process itself as a weapon.
- The Delay Game: One of the most common tactics is strategic delay. An adjuster may dodge phone calls, take a long time to respond to emails, or repeatedly request unnecessary documentation.25 The goal is to increase the claimant’s financial pressure and frustration, hoping they will eventually give up and accept a low offer just to end the ordeal.39
- Disputing Medical Necessity: Adjusters will often challenge the necessity, frequency, or cost of medical treatments recommended by the claimant’s doctor.33 They may require the claimant to attend an “Independent Medical Examination” (IME) with a physician chosen and paid by the insurance company, whose opinion may predictably favor the insurer’s financial interests.
- Shifting Blame: Even in cases where fault seems obvious, such as a rear-end collision, adjusters are trained to look for ways to shift partial blame onto the claimant.35 They might ask leading questions like, “Were you distracted at all before the impact?” or “Did you brake suddenly?” to introduce the idea of comparative negligence and reduce the company’s payout.24
3.3 Evidence Manipulation: Controlling the Narrative
The adjuster’s final set of tools involves controlling and interpreting the evidence of the case.
- Mining Recorded Statements: As discussed, recorded statements are a primary tool for finding inconsistencies that can be used to discredit a claimant’s testimony.25
- Scrutinizing Medical History: Using a signed medical release, adjusters will meticulously search a claimant’s entire health history for any prior injury or condition that can be used as an alternative explanation for their current pain and suffering.24
- Surveillance: In cases involving significant injury claims, insurance companies may hire private investigators to conduct surveillance on a claimant.39 This can include observing them in person or monitoring their online activity to find any evidence that contradicts their stated physical limitations.33
Section 4: Your Counter-Playbook: A Script for Controlling the Conversation
Knowledge of the adjuster’s playbook is the first step; the next is having a clear, actionable plan to counter it.
A claimant can take control of the conversation by being prepared, disciplined, and strategic in every interaction.
4.1 The Pre-Call Preparation Checklist
Before speaking with an adjuster, a claimant should have essential information at their fingertips.
This includes the police report number, photos and videos from the accident scene, the names and contact information of any witnesses, and a copy of their own insurance policy.1
It is also critical to have a dedicated notebook to log every conversation: the date, time, adjuster’s name and contact information, and a detailed summary of what was discussed.20
4.2 The Golden Rules of Engagement
Four core principles should govern every interaction with an adjuster:
- Be Polite, but Firm: Maintain a calm and professional demeanor. Rudeness and anger are counterproductive.18 However, politeness should not be mistaken for weakness. Be firm in protecting your rights.
- Be Brief: Answer only the question that was asked. Do not volunteer additional information, elaborate unnecessarily, or feel the need to fill silences.4 The less you say, the less an adjuster has to work with.
- Be Factual: Stick to what you know for certain. If you do not know or cannot remember a detail, say so. This is far safer than speculating.4
- Be in Control: You dictate the terms of the conversation. If you are not ready to talk, it is perfectly acceptable to say, “This is not a good time for me,” and reschedule. You can also state a preference for communicating primarily in writing to create a clear record.20
4.3 The Strategic Response Matrix
The pressure of a live phone call can make it difficult to remember abstract rules.
The following table provides pre-scripted, legally sound responses to the most common and perilous questions adjusters ask.
It is a tangible tool designed to remove the cognitive load in a high-stress moment, transforming a claimant from a reactive victim into a prepared participant.
Table 1: The Strategic Response Matrix
| Common Adjuster Question/Prompt | Your Recommended Strategic Response | Rationale |
| “How are you feeling today?” | “I am currently under a doctor’s care and my medical condition is still being evaluated.” | Avoids the “I’m fine” trap and premature statements about injuries.20 |
| “Can you tell me what happened in your own words?” | “The basic facts are in the police report. I’m not prepared to give a detailed statement at this time.” | Deflects from giving an impromptu, potentially inaccurate narrative and points to an official document.19 |
| “Can we record this conversation for accuracy?” | “I am not comfortable providing a recorded statement at this time. I prefer to communicate in writing.” | Politely and firmly declines a recorded statement, which is a major legal risk.3 |
| “We’d like to get your medical records to verify your injuries.” | “Please direct any requests for medical records to my attorney. If I decide to provide them myself, they will be limited to treatment directly related to this accident.” | Prevents signing a blanket medical release and protects your entire medical history from scrutiny.3 |
| “Do you think you could have done anything to avoid the accident?” | “I am not going to speculate on that. The police report details the circumstances.” | Avoids speculation and any potential admission of partial fault.4 |
| “We’ve reviewed your claim and can offer you $X right now to settle this.” | “Thank you for the offer. I am still assessing the full extent of my damages and am not in a position to consider any settlement offers at this time.” | Rejects the initial lowball offer without closing the door to negotiation and buys time to understand the true value of the claim.4 |
Section 5: Building an Unshakeable Case: From Documentation to Demand
Effective communication is defensive.
Building a strong case is offensive.
A claimant can shift the dynamic of the process by moving from simply responding to the adjuster to proactively building a position of strength based on indisputable evidence.
5.1 The Art of Meticulous Record-Keeping
Insurance companies operate on documentation.15
The more thorough and organized a claimant’s records are, the easier it is for an adjuster to justify a fair payment to their superiors.1
This involves creating a comprehensive file for all accident-related expenses, including receipts for prescriptions, co-pays, and even mileage to and from doctor’s appointments.34
It is also invaluable to keep a daily journal documenting pain levels, physical limitations, and the emotional impact of the injuries.
This practice transforms the subjective experience of “pain and suffering” into a body of objective evidence that is harder for an adjuster to dismiss.35
5.2 Assembling Your Evidence Dossier
A strong claim is built on a foundation of solid evidence.
A claimant should proactively gather and organize an evidence dossier that includes:
- The official police report 15
- Photographs and videos of the accident scene, vehicle damage, and all visible injuries 3
- Property damage estimates from a mechanic of the claimant’s choice, not just the one recommended by the insurer 18
- Contact information for all witnesses 18
- A complete set of medical records and bills related to the accident 15
- Documentation of lost wages, such as pay stubs or a letter from an employer 34
5.3 The Power of the Demand Letter
Once the full extent of the damages is known—meaning the claimant has reached maximum medical improvement—the claimant can seize control of the negotiation by submitting a formal demand letter.18
This document does more than just ask for money.
It is a professional, detailed presentation of the case.
It outlines the facts of the accident, clearly establishes the other party’s liability, itemizes all economic damages (medical bills, lost wages) and non-economic damages (pain and suffering), and makes a specific monetary demand for settlement.18
This allows the claimant to set their
own anchor for the negotiation, countering the insurer’s lowball tactics and demonstrating a high level of seriousness and preparation.18
Section 6: The Advocate: When and Why to Hire a Personal Injury Attorney
While a prepared claimant can effectively manage a straightforward claim, there are clear signals that professional help is required.
Recognizing these limits is a critical part of a successful strategy.
6.1 Red Flags: When to Immediately Call a Lawyer
A claimant should seek legal counsel immediately if certain red flags appear.
These include suffering serious, complex, or permanent injuries; if the insurance company disputes liability for the accident; if the settlement offer does not cover documented medical bills and lost wages; or if the adjuster is engaging in bad faith tactics like unreasonable delays or misrepresenting the policy.30
Once an attorney is hired, the insurance company is legally prohibited from contacting the claimant directly, which immediately halts the pressure and eliminates the risk of making a verbal misstep.20
6.2 Leveling the Playing Field
The primary advantage of hiring an attorney is that it neutralizes the insurer’s asymmetric information advantage.2
A personal injury lawyer understands insurance law, is familiar with the adjuster’s playbook, and knows how to accurately value a claim based on medical evidence and legal precedent.
Their involvement signals to the insurer that the claimant is serious, understands their rights, and is prepared to fight for a fair outcome.35
This dynamic fundamentally changes the adjuster’s risk calculation.
Insurance companies are businesses focused on predictable financial outcomes, and litigation is expensive and uncertain.33
An unrepresented claimant poses a low threat of a successful lawsuit.
However, a claimant represented by a reputable attorney poses a credible threat.
Suddenly, the cost of offering a fair settlement becomes much more appealing when weighed against the potential time, expense, and risk of going to trial.
The attorney, therefore, is not just a negotiator; they are the embodiment of credible leverage.
6.3 The Value Proposition: Beyond Negotiation
An attorney’s role extends far beyond negotiating with the adjuster.
They manage the entire legal process, which includes gathering evidence, consulting with medical experts, handling all paperwork and deadlines, and building the case for trial if necessary.28
This allows the claimant to step away from the stress of the claims process and focus their energy on what is most important: their medical and emotional recovery.
Conclusion: From Aftermath to Advocacy
The story of a car accident claim begins in a moment of vulnerability.
But as we see with Alex, it does not have to end there.
Armed with knowledge and a clear strategy, the overwhelmed victim can become a confident advocate.
By understanding the adjuster’s true role, avoiding critical communication errors, recognizing their tactics, and controlling the conversation with a prepared script, a claimant can protect their own interests.
The process is a battle of information and resolve.
By meticulously documenting damages, building an unshakeable case, and knowing when to bring in a professional, any individual can navigate this challenging terrain and secure the fair compensation they rightfully deserve.
Works cited
- Confessions of a Claims Adjuster: What I Wish Policyholders Knew …, accessed August 15, 2025, https://www.bankrate.com/insurance/confessions-of-a-claims-adjuster/
- Direct Negotiation vs. Legal Representation: Pros & Cons – Graves McLain, accessed August 15, 2025, https://gravesmclain.com/personal-injury/direct-negotiation-vs-legal-representation/
- What Not to Say to an Insurance Adjuster – Free Consultations, accessed August 15, 2025, https://www.stewartlawoffices.net/south-carolina-personal-injury-lawyer/car-accidents/what-not-to-say-to-insurance-adjusters/
- Things Not To Say When Dealing With An Insurance Adjuster, accessed August 15, 2025, https://1800lionlaw.com/dealing-with-an-insurance-adjuster/
- Insider Tips: What Every Rookie Insurance Adjuster Must Know …, accessed August 15, 2025, https://ae21.com/blogs/adjuster-info/insider-tips-what-every-rookie-insurance-adjuster-must-know
- Claims Adjusters, Appraisers, Examiners, and Investigators …, accessed August 15, 2025, https://www.bls.gov/ooh/business-and-financial/claims-adjusters-appraisers-examiners-and-investigators.htm
- What is the Role of an Insurance Adjuster? – Vanguard Attorneys, accessed August 15, 2025, https://www.vanguardinjuryattorneys.com/blog/the-role-of-an-insurance-adjuster/
- Working With Insurance Adjusters on Injury Claims | Florida – Hale Law, accessed August 15, 2025, https://halelaw.com/how-to-negotiate-with-an-insurance-adjuster-for-personal-injury/
- Claims Adjuster 101: What You Need to Know, accessed August 15, 2025, https://www.insuranceclaimrecoverysupport.com/what-does-a-claims-adjuster-do/
- www.2021training.com, accessed August 15, 2025, https://www.2021training.com/a-day-in-the-life-of-an-insurance-adjuster/#:~:text=A%20Typical%20Day,determine%20the%20extent%20of%20liability.
- Day in the life of a property adjuster – Reddit, accessed August 15, 2025, https://www.reddit.com/r/adjusters/comments/1514x5b/day_in_the_life_of_a_property_adjuster/
- A Day in the Life of a Catastrophe Insurance Adjuster August 2025 – 2021 Training, accessed August 15, 2025, https://www.2021training.com/a-day-in-the-life-of-an-insurance-adjuster/
- Home Insurance Claims Adjuster Secret Tactics: Unveiled! – Callender Bowlin, accessed August 15, 2025, https://www.cbtrial.com/home-insurance-claims-adjuster-secret-tactics/
- New Year, New Resolutions for Adjusters | 360training, accessed August 15, 2025, https://www.360training.com/blog/resolutions-for-adjusters
- Understanding the Training of Insurance Adjusters – Jaime Suarez, accessed August 15, 2025, https://www.jaime-suarez.com/understanding-the-training-of-insurance-adjusters-a-guide-for-accident-victims-claimants/
- Adjuster Certification Program – TN.gov, accessed August 15, 2025, https://www.tn.gov/workforce/injuries-at-work/bureau-services/bureau-services/adjuster-certification-program.html
- Everything You Should Know About Insurance Adjusters & Your Injury Claim, accessed August 15, 2025, https://kennunn.com/what-is-an-insurance-adjuster-for-accident-claims-in-indianapolis/
- How to Negotiate with Insurance Adjusters Like a Pro | Wetherington …, accessed August 15, 2025, https://wfirm.com/how-to-negotiate-with-insurance-adjusters-like-a-pro/
- How to Talk to an Insurance Claims Adjuster | Cannon Law – Fort Collins Personal Injury Lawyer, accessed August 15, 2025, https://www.cannonlaw.com/how-to-talk-to-insurance-claims-adjuster/
- How To Talk To An Insurance Adjuster After A Car Accident – Finz …, accessed August 15, 2025, https://finzfirm.com/blog/how-to-talk-to-an-insurance-adjuster/
- A Day In The Life Of An Insurance Adjuster – One Claim Solution, accessed August 15, 2025, https://www.oneclaimsolution.com/a-day-in-the-life-of-an-insurance-adjuster/
- What Not to Say to an Insurance Adjuster – Brumley Law Firm, accessed August 15, 2025, https://www.brumleylawfirm.com/what-not-to-say-to-an-insurance-adjuster/
- Fight Back: The Top 10 Car Accident Claim Mistakes to Avoid in Philadelphia, accessed August 15, 2025, https://www.mawesquire.com/fight-back-the-top-10-car-accident-claim-mistakes-to-avoid-in-philadelphia
- Why the Insurance Company Denied Your Car Accident Claim (and What to Do Next), accessed August 15, 2025, https://crosleylaw.com/blog/5-reasons-insurance-company-denied-car-accident-claim/
- 6 Tactics Used by Insurance Adjusters and How to Handle Them, accessed August 15, 2025, https://andywins.com/blog/6-tactics-used-by-insurance-adjusters-and-how-to-handle-them/
- Common Mistakes When Dealing with Insurance Adjusters After an Accident, accessed August 15, 2025, https://www.baileyandburke.com/blog/2025/05/common-mistakes-when-dealing-with-insurance-adjusters-after-an-accident/
- What Not to Say to Insurance Adjusters After a Car Accident – BAM Personal Injury Lawyers, accessed August 15, 2025, https://baminjurylaw.com/blog/what-not-to-say-to-insurance-adjusters-after-a-car-accident/
- Common Mistakes People Make After a Car Accident | Loncar Lyon Jenkins, accessed August 15, 2025, https://loncarlyonjenkins.com/blog/common-mistakes-people-make-after-car-accident/
- What Not to Say to an Insurance Adjuster, accessed August 15, 2025, https://www.wilsoninjurylaw.com/blog/what-not-to-say-to-an-insurance-adjuster/
- Avoid These Mistakes When Talking to Your Claims Adjuster – Georgia Trial Attorneys, accessed August 15, 2025, https://www.gtakg.com/avoid-these-mistakes-when-talking-to-your-claims-adjuster/
- What to Say to the Insurance Adjuster After a Crash – Tyler Mann Injury Law, accessed August 15, 2025, https://tylermanninjurylaw.com/blog/what-to-say-and-not-say-to-insurance-adjuster-after-a-crash/
- What to Do If Your Car Accident Claim Is Denied by the Insurance Company?, accessed August 15, 2025, https://washingtoninjury.com/car-accident-claim-denied/
- Tactics Insurance Companies Use to Deny or Delay Claims, accessed August 15, 2025, https://www.becauseyouwanttowin.com/tactics-insurance-companies-use-to-deny-or-delay-claims/
- 10 Mistakes to Avoid When Filing a Car Accident Claim – Yosha Law, accessed August 15, 2025, https://yoshalawfirm.com/blog/mistakes-to-avoid-when-filing-car-accident-claim/
- 5 Tips to Really Scare an Insurance Adjuster Into a Fair Settlement – Hess Injury Law, accessed August 15, 2025, https://www.hesslawoffice.com/how-to-scare-an-insurance-adjuster/
- Insurance Company Response Tactics That Florida Drivers Need To Know, accessed August 15, 2025, https://hermanwells.com/blog/insurance-company-response-tactics-that-florida-drives-need-to-know/
- Negotiation and settlement strategies | Risk Management and Insurance Class Notes | Fiveable, accessed August 15, 2025, https://library.fiveable.me/risk-management-insurance/unit-8/negotiation-settlement-strategies/study-guide/pPbogOm5PnqOdHPB
- Anchoring Effect in Psychology and Negotiation – Your Guide – Corey Pollard Law, accessed August 15, 2025, https://cpollardlaw.com/anchoring-effect-psychology-negotiation/
- What Tactics Do Workers’ Comp Insurance Adjusters Use to Reduce or Deny Claims?, accessed August 15, 2025, https://theceoviews.com/what-tactics-do-workers-comp-insurance-adjusters-use-to-reduce-or-deny-claims/
- Negotiation Tactics in Comparative Insurance Law – Number Analytics, accessed August 15, 2025, https://www.numberanalytics.com/blog/negotiation-tactics-comparative-insurance-law
- Insurance Claim Negotiation Tactics for Public Adjusters – Tighe, P.A., accessed August 15, 2025, https://tighepa.com/resources/insurance-claim-negotiation-tactics-for-public-adjusters/
- How to Scare an Insurance Adjuster | Stewart J. Guss, Attorney At Law, accessed August 15, 2025, https://attorneyguss.com/blog/how-to-scare-insurance-adjuster/
- What to Do When Your California Car Accident Claim is Denied, accessed August 15, 2025, https://www.personalinjurybakersfield.com/blog/what-can-i-do-if-insurance-company-denied-my-car-accident-claim/
- Stalled Insurance Claims Settlement Negotiations – 3 Tips for Adjusters – Veritext, accessed August 15, 2025, https://www.veritext.com/stalled-insurance-claims-settlement-negotiations-3-tips-for-adjusters/
- Common Mistakes After an Accident to Avoid – Varghese Summersett, accessed August 15, 2025, https://versustexas.com/blog/mistakes-after-an-accident/
- Maryland Personal Injury Attorneys | Jaklitsch Law Group, accessed August 15, 2025, https://jaklitschlawgroup.com/personal-injury/
