When you’re injured due to someone else’s negligence, you deserve fair compensation. Unfortunately, insurance companies often employ various tactics to reduce the amount they pay out. At the Law Offices of Roderick C. White, we’ve seen these strategies repeatedly in our 70+ years of combined legal and insurance claims experience. Here’s what to watch for:
Quick Settlement Offers
One of the most common tactics is the “quick settlement.” Insurance adjusters may contact you within days of your accident, offering what seems like a reasonable sum. However, these early offers almost always come before you fully understand the extent of your injuries or long-term medical needs. Once you accept, you typically waive your right to seek additional compensation—even if your condition worsens.
Recorded Statements
Insurance representatives often request a recorded statement, claiming it will “speed up your claim.” What they don’t tell you is that they’re trained to ask questions designed to extract statements that can be used against you. Even innocent comments like “I’m feeling better” can be used to minimize your injuries.
Delays in Processing
Some insurance companies deliberately drag out the claims process, hoping you’ll become financially desperate enough to accept a lower settlement. For communities that may already face economic challenges, this tactic can be particularly devastating, forcing families to choose between financial stability and fair compensation.
Disputing Medical Necessity
Insurance companies frequently question whether all your medical treatments were necessary. They may claim certain treatments were excessive or unrelated to the accident. This tactic disproportionately affects those who already face barriers to healthcare access, including many in our African American and Hispanic communities.
Social Media Surveillance
In today’s digital age, insurance companies often monitor claimants’ social media accounts. A simple photo of you smiling at a family gathering could be used to argue that your injuries aren’t as severe as claimed. This invasion of privacy is designed to undermine your credibility and reduce your compensation.
Misrepresenting Your Rights
Insurance adjusters might suggest you don’t need an attorney or that hiring one will only reduce your settlement after fees. They may also misrepresent what you’re legally entitled to recover, particularly if you’re unfamiliar with state-specific laws in Texas, Missouri, Illinois, or Kansas.
How We Fight Back
At the Law Offices of Roderick C. White, we understand these tactics because we’ve spent decades countering them. Our attorneys have over 70 years of combined legal and insurance claims experience, allowing us to:
- Accurately value your claim, including future medical expenses and non-economic damages
- Handle all communications with insurance companies, protecting you from manipulative questioning
- Document the full extent of your injuries through expert medical testimony
- Navigate the complex legal systems across Texas, Missouri, Illinois, and Kansas
- Stand firm against lowball offers, with the resources to take your case to trial if necessary
Take Action Now
If you’ve been injured, don’t face insurance companies alone. Communities of color too often receive less compensation for similar injuries—we’re committed to changing that narrative. Contact the Law Offices of Roderick C. White for a free, no-obligation consultation. Remember, you have limited time to file your claim, and evidence becomes harder to gather as time passes.
We are ready, willing, and able to assist you and your loved ones through these difficult times. When it comes to standing up to insurance companies, I GOT YOU!
If you've been injured, don't face insurance companies alone
The information in this blog post is general and should not be considered legal advice. Please contact our legal team directly for specific guidance regarding your unique situation.
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