How Insurance Companies Fight Accident Claims — And How to Respond

Tactic 1: The Early Settlement Offer

Quick settlement offers are made before you know the full extent of your injuries. These are almost always significantly below true case value. Once you accept, you typically sign a release barring any future claims — even if injuries worsen. Never settle without attorney guidance.

Tactic 2: The Recorded Statement

Adjusters request recorded statements to capture inconsistencies they'll use against you. You are not required to give a recorded statement to the other driver's insurer. Decline politely and refer them to your attorney.

Tactic 3: Disputing Medical Necessity

Insurers hire IME doctors to declare treatment excessive or unrelated to the accident. This is the primary mechanism for cutting off no-fault benefits. Counter with consistent treatment, strong documentation, and IME rebuttal reports from your treating physicians.

Tactic 4: Surveillance

Insurers conduct physical and social media surveillance to catch claimants in activities inconsistent with their claimed injuries. Be honest and consistent with your doctors. Do not exaggerate limitations — and don't minimize them either.

Tactic 5: Pre-Existing Condition Arguments

Any history of prior injuries or chiropractic care is used to attribute all current symptoms to pre-accident conditions. Your documentation must clearly distinguish your pre-accident baseline from your post-accident condition.