How Insurance Companies Handle Injury Claims
Adjusters are trained to minimize payouts. Understanding their playbook helps you avoid costly mistakes.
After an injury accident in California, the at-fault driver's insurance company assigns an adjuster whose job is to resolve your claim for as little as possible — quickly. Understanding that dynamic helps you avoid mistakes that permanently reduce your recovery.
What Adjusters Look For
- Gaps in medical treatment ("If you were really hurt, why did you wait?")
- Pre-existing conditions they can blame for your symptoms
- Social media posts that contradict your injury claims
- Recorded statements used to minimize fault or injury severity
Common Tactics
- Early lowball offers before you know the full extent of your injuries
- Pressure to sign a release in exchange for a quick check
- Requests for blanket medical authorization to dig through unrelated history
- Disputing liability even when fault seems obvious
What You Should Do Instead
- Get consistent medical care and follow your doctors' recommendations.
- Do not give a recorded statement to the other driver's insurer without advice.
- Document lost wages, out-of-pocket costs, and how the injury affects daily life.
- Let an attorney communicate with adjusters and value the full scope of your damages.
Level the Playing Field
Insurers have teams of adjusters and lawyers. You should not negotiate alone. Call (818) 945-0900 for a free case review.
Related: After an accident · Filing deadlines
Disclaimer: Every claim is different. This page is general information, not legal advice.
For representation, visit our Personal Injury practice area.
Injured? Get a Free Case Evaluation Today
Speak directly with an attorney about your case. There is no cost and no obligation, and you pay nothing unless we win.
Call (818) 945-0900 Request a Consultation