After an accident, most people assume their insurance company will step in to help. Unfortunately, our experience at Hillstone Law has shown that insurance adjusters often use tactics that minimize payouts rather than protect victims. These mistakes whether intentional or not can cost accident victims thousands of dollars.

Here’s our ranking of the five worst mistakes insurance adjusters make, ordered by how costly they can be to your recovery.

1. Denying Valid Claims

One of the most damaging actions is when an insurer denies a legitimate claim altogether. Some adjusters look for technicalities to reject cases, leaving victims without compensation when they need it most. Fighting back requires strong evidence, persistence, and legal support.

2. Delaying Settlements

Delays can create serious financial hardship for injured individuals facing mounting medical bills and lost wages. By dragging out the process, insurance companies often pressure victims into settling for less than they deserve. We’ve seen many clients accept low offers simply because they couldn’t wait any longer, something we help prevent.

3. Undervaluing Injuries

Insurers often minimize the true cost of an injury, ignoring long-term care needs, ongoing treatment, or the impact on a victim’s career. This can result in settlements that fall short of covering actual expenses. At Hillstone Law, we work with medical experts to show the full scope of damages.

4. Pressuring Victims to Settle Quickly

It may sound like a good thing when an adjuster offers money right away, but early settlements are usually far below the true value of the claim. Once you accept, you can’t go back for more, even if medical complications arise later.

5. Using Your Own Words Against You

Many accident victims don’t realize that adjusters may record calls and use casual statements to dispute liability. Saying something as simple as “I’m okay” at the scene can be twisted to suggest you weren’t injured. We always advise our clients to let us handle communications with insurers to avoid these costly mistakes.

Protecting Yourself from Insurance Tactics

Insurance companies have one goal: to protect their bottom line. The best way to protect your rights is to avoid going it alone. With experienced legal representation, you can level the playing field and make sure your injuries and losses are fully accounted for.

At Hillstone Law, we know how to counter insurance company tactics and fight for the compensation our clients deserve.

Call Hillstone Law today at (855) 691-1691 for a free consultation.

Disclaimer: This article reflects our professional perspective based on experience handling California personal injury claims. Every case is unique and outcomes may vary.