You pay your premiums faithfully every month, trusting that your insurance company will be there when you need it most. It can feel like a betrayal when your insurer seems more interested in protecting its bottom line than helping you recover. The reality is that insurance companies are businesses, and they maximize profits by minimizing payouts. If you have been injured in a crash, you may encounter one or more of the following tactics designed to reduce or deny your claim entirely. Make sure to speak with an experienced bad faith insurance lawyer in Bakersfield for legal guidance and support.
Disputing the Severity or Cause of Your Injuries
One of the most common strategies insurers use is questioning whether your injuries are as serious as you claim, or whether the accident even caused them. They may argue that your pain stems from a pre-existing condition or that you are exaggerating your symptoms.
Requesting Excessive or Unnecessary Documentation
While some paperwork is expected during the claims process, insurers sometimes bury claimants in requests for documentation that goes far beyond what is reasonable. This strategy serves two purposes: it delays your claim and increases the chances you will make a mistake or miss a deadline.
Using Your Recorded Statement Against You
Shortly after an accident, an insurance adjuster may contact you and ask for a recorded statement. While this might seem routine, anything you say can be used to undermine your claim. Even innocent comments like “I’m feeling okay” can be twisted to suggest your injuries are not serious. You are not obligated to provide a recorded statement to the insurance company, and you should consult a Bakersfield accident attorney before doing so.
Arguing You Were Partially or Fully at Fault
California follows a pure comparative negligence system, meaning your compensation can be reduced based on your percentage of fault. Insurance companies exploit this by shifting as much blame onto you as possible. They may claim you were speeding, distracted, or failed to take evasive action in order to increase your liability and minimize theirs.
Offering a Settlement Before You Know Your Damages
A quick settlement offer might seem like good news, but early offers are typically far below what your claim is actually worth. Insurance companies extend these offers before you fully grasp the extent of your injuries or ongoing medical needs, hoping you will accept before consulting a lawyer. If you accept a settlement, you cannot pursue additional compensation later.
Surveilling Your Social Media Accounts for Evidence
Insurers routinely monitor claimants’ social media profiles, looking for posts, photos, or check-ins that contradict injury claims. Even an innocent picture at a family gathering can be used to argue that you are not as hurt as you say.
Protect Your Claim with Help from a California Car Accident Attorney
If you were involved in a car accident and plan to file an insurance claim, a lawyer can protect you from the tactics mentioned above. Attorneys who handle these cases regularly can recognize when an offer falls short and have the resources to push back effectively—whether through negotiation or, if necessary, litigation.
Most Bakersfield injury lawyers offer free consultations, so there is no financial risk in getting a professional assessment of your situation. Reach out today to discuss your case and take the first step toward the compensation you deserve.