When you’ve been hurt in an accident, your focus should be on recovering—not trying to figure out what the insurance company is doing. Unfortunately, insurance companies are not always on your side. They’re businesses, and like any business, their goal is to minimize payouts. That’s why understanding insurance company tactics is critical if you want to protect your claim and secure the compensation you deserve.

At David M. Kennedy Law, we’ve spent decades helping Texans navigate the tricky waters of personal injury claims. Over time, we’ve seen the same tactics play out again and again. The good news is that once you understand these strategies, you can fight back more effectively.

Why Insurance Companies Use These Tactics

Insurance adjusters handle thousands of claims a year. They operate under pressure to close cases quickly and for as little cost as possible. That often means they rely on pre-set approaches designed to limit their exposure.

This isn’t necessarily malicious—it’s part of their job. But it can feel unfair to someone who is already dealing with pain, medical bills, and uncertainty. That’s why knowing how they work gives you an advantage.

Common Insurance Company Tactics

Here are a few of the most common strategies we’ve seen, and how they can impact your claim.

1. Delaying Communication

One tactic is simple—delay. Adjusters may take longer than necessary to return calls, request additional documentation, or schedule evaluations. This can frustrate victims and slow down the claim process.

Why it matters: Delays can make recovery harder, increase stress, and sometimes even weaken your position if deadlines are missed.

How we help: We act as your point of contact, pushing insurers to respond and keeping your case moving forward.

2. Lowball Offers

A classic tactic is to offer a settlement that’s far lower than your case is worth, hoping you’ll accept it out of frustration or necessity.

Why it matters: Accepting a low offer can mean giving up money you need for ongoing medical treatment, lost income, or future care.

How we help: We prepare your case with strong evidence, clear documentation, and expert testimony so you get an offer that truly reflects your damages.

3. Questioning Your Credibility

Adjusters may try to downplay your injuries or question your honesty. They may look for inconsistencies in your statements, challenge your medical records, or point to delays in treatment.

Why it matters: These tactics can weaken your claim if not addressed properly.

How we help: We anticipate these challenges, gather supporting evidence, and present your story in a way that protects your credibility.

4. Using Legal Language and Confusing Processes

Insurance paperwork is often full of legal jargon. This can confuse claimants and make them agree to terms without fully understanding them.

Why it matters: Signing the wrong document or misunderstanding your settlement rights can have lasting consequences.

How we help: We review every detail of your claim and explain things in plain language, so you can make informed decisions.

How to Protect Yourself Against These Tactics

Understanding insurance company tactics is only the first step. You also need a strategy to counteract them. Here are a few key approaches:

• Document everything. Keep detailed records of your injuries, medical visits, and communication with the insurance company.
• Avoid giving recorded statements without legal guidance. Adjusters may use these statements against you later.
• Stay organized. Keep copies of bills, medical reports, and correspondence.
• Work with an experienced attorney. A personal injury lawyer can spot unfair tactics and respond effectively.

Why Having an Attorney Matters

Insurance companies use their tactics because they know many accident victims aren’t familiar with the claims process. They count on victims handling everything alone. That’s where a lawyer changes the game.

At David M. Kennedy Law, we know the ins and outs of personal injury law, and we know how to spot when an adjuster is using unfair tactics. We step in to level the playing field. That means:

• Advocating fiercely for fair compensation
• Explaining the process in plain language
• Handling all communication with the insurance company
• Protecting your rights at every stage

Final Thoughts

Dealing with an injury is stressful enough without having to worry about the hidden strategies insurance companies use to reduce your claim. Understanding these tactics is the first step to protecting yourself—but the most effective step is having a trusted attorney on your side.

If you’ve been hurt and want to make sure your claim is handled fairly, don’t go it alone. At David M. Kennedy Law, we’ve spent decades representing injured Texans and helping them stand up to insurance company tactics. Let us help you focus on healing while we fight for your rights.

Call us at (903) 819-0720 or Email today for your free consultation. so we can start building your path to recovery.

Read More: The Hidden Challenges of Injury Claims & How to Overcome Them