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A car accident settlement should be a simple process. An insurance adjuster measures your injuries, damages, and they pay you what is owed. However, this is not the case. Insurance companies are for-profit and make their money from high premiums and low payouts on claims. So, you need to beware of the tactics adjusters use to keep payouts low.

Don’t let them take advantage of you. The insurance company is going to try to pay you as little as possible, deny liability, and even delay payments. These are tactics they employ hoping the claimants will go away. Insurance adjusters use many tactics in settlement cases. Here are some tactics you need to be aware of if you are in a car accident and have an insurance claim.

Limit Your Communication with The Adjuster

When you file an auto accident claim the insurance adjuster will try to gather as much information as possible use against you. Typically, they will try to befriend you to get to possibly say something they could use against your case. Remember, they are trying to save money so don’t let them trick you with their charm.

Don’t Give a Recorded Statement

First, the law does not require you to give a recorded statement. Although, after accidents, insurance adjusters will still ask for a recorded statement. In fact, don’t give a statement without an attorney because anything you say can be held against you.

Your Medical Records

Similarly, it is not a good idea to release all your medical records. Therefore, if the adjuster asks for your medical records don’t release all your records to them. Instead, have your records released to you and only pass along relevant information to the assessor.

Be Careful About Signing Anything

If they ask you to sign a release, don’t sign! Some injuries take a few days to show up and their offer will likely not cover the medical treatment you need. Not to mention you will forfeit your right to file suit.

They Do Not Want You to Have an Attorney

Lastly, the insurance company and adjuster do not want you to hire an attorney. Do not accept any legal advice from the assessor or insurance company. A personal injury attorney is an unbiased party only there to project you right and help you.


After a car accident, you may not know what to do or who to call. Don’t struggle through the process alone. Our personal injury team is here to help you with any legal needs you might have regarding your accident.

Let the Tampa auto accident attorneys at RHINO Lawyers answer your questions and review the facts of your case with a Free Consultation. Get started by completing the “Free Instant Case Evaluation” or by calling us any time, day or night, at 844.329.3491.