Why Insurance Companies Lowball Personal Injury Settlements

Insurance companies are for-profit businesses. Their financial interest is directly opposed to yours. Understanding their tactics is the first step to protecting yourself.

The Adjuster's Real Job

When you file a claim, an adjuster is assigned to your case. Their primary goal is to close your claim for as little money as possible. They are trained negotiators who know most unrepresented claimants will accept whatever they offer.

Common Tactics

Moving quickly: Adjusters contact victims within hours, before you understand your injuries or consult an attorney. Recorded statements: They ask for recorded statements that can be used to minimize your claim — you are not required to give one. Disputing injuries: They argue injuries are less severe or caused by pre-existing conditions. Delay tactics: The longer your case drags on, the more financial pressure you feel to accept a low offer.

The Solution

RJ Barnett spent years in insurance defense before joining the plaintiff's side. He knows exactly how these companies evaluate claims and what evidence they look for. That inside knowledge gives our clients a real strategic advantage. When you have legal representation, the dynamic shifts entirely.