Insurance companies claim to protect you, but they also work to protect their profits. Many people trust their insurers without knowing their full rights. This lack of awareness benefits the insurance company, not the policyholder. They use various tactics to minimize payouts, delay settlements, or even deny claims outright.

Understanding your rights can make a huge difference in the outcome of your case. If you are injured due to someone else's negligence, the insurance company of the at-fault party is responsible for compensating you. However, they will try to pay as little as possible. This is where legal representation becomes crucial. A Hollywood personal injury attorney can ensure you receive the compensation you deserve.

Here are some key things insurance companies don’t want you to know.

1. They Are Not on Your Side

Insurance adjusters may seem friendly, but their goal is to save money for their company. They are trained to offer the lowest possible settlement. If they can convince you to accept a low payout, they will. Many victims accept offers without realizing they are entitled to more.

When dealing with insurance companies, always remember that they are businesses, not charities. Their goal is to close claims quickly and cheaply. Consulting a Hollywood personal injury attorney can help you understand what your claim is truly worth.

2. You Have the Right to Refuse Their First Offer

Insurance companies often offer a quick settlement, hoping you will accept without question. These offers are usually much lower than what you actually deserve. They expect you to be desperate for money and unwilling to negotiate.

You are not obligated to accept the first offer. In fact, rejecting it and negotiating can lead to a much better settlement. A skilled attorney can evaluate the offer and push for fair compensation. The insurance company hopes you won’t fight back, but you have every right to do so.

3. Recorded Statements Can Be Used Against You

After an accident, an insurance adjuster may ask you to provide a recorded statement. They claim this is to “understand your side of the story.” However, they are looking for inconsistencies or statements that can weaken your case. Anything you say can be used to minimize or deny your claim.

It is best to consult a lawyer before speaking with an insurance adjuster. A Hollywood personal injury attorney can guide you on what to say and what to avoid. This prevents you from unintentionally harming your own case.

4. You Can Get Compensation Beyond Medical Bills

Many victims believe they can only claim compensation for medical expenses. This is exactly what insurance companies want you to think. In reality, you may be entitled to much more, including:

• Lost wages if your injury prevents you from working.

• Pain and suffering caused by the accident.

• Emotional distress and mental anguish.

• Property damage, including vehicle repairs or replacement.

Insurance companies rarely inform you about these additional claims. An experienced lawyer will ensure you receive the full compensation you deserve.

5. They May Spy on You

Insurance companies sometimes conduct surveillance on claimants. They may check your social media, follow you in public, or hire investigators. Their goal is to find anything that suggests your injuries are not as serious as you claim.

Be careful about what you post online. Avoid discussing your case or activities that could be misinterpreted. A Hollywood personal injury attorney can advise you on how to protect your case from such tactics.

How to Protect Yourself from Insurance Tactics

Now that you know the strategies insurance companies use, it’s time to take action. Here’s how you can protect yourself and secure the compensation you deserve.

1. Gather Strong Evidence

Insurance companies require solid proof before approving claims. You should collect as much evidence as possible, including:

• Photos and videos of the accident scene.

• Medical reports and bills.

• Witness statements.

• Police reports.

Strong evidence makes it difficult for insurers to deny or reduce your claim.

2. Avoid Speaking to Adjusters Without Legal Help

Insurance adjusters are trained to twist your words. If you are not careful, you might say something that weakens your case. It’s best to let a Hollywood personal injury attorney handle all communications with the insurance company.

3. Keep Detailed Records

Maintain records of all medical treatments, expenses, and lost income. Document every conversation with the insurance company, including dates and details of what was discussed. This can be useful if they try to delay or dispute your claim.

4. Do Not Accept a Low Settlement

Insurance companies often start with lowball offers. If you accept too soon, you may not get enough to cover your full recovery. A lawyer can negotiate for a fair amount that covers all your expenses and damages.

5. Take Legal Action If Necessary

If negotiations fail, you may need to take legal action. Many insurers will settle once they realize you are serious. A Hollywood personal injury attorney can file a lawsuit if the insurance company refuses to offer fair compensation.

The Bottom Line

Insurance companies have many tricks to reduce or deny claims. They hope you don’t know your rights so they can pay you less. Understanding their tactics gives you the power to fight back. Always remember, you are not obligated to accept their first offer, and you deserve compensation beyond medical bills.

Seeking legal help can make a significant difference in your case. A Hollywood personal injury attorney can ensure you are treated fairly and receive the compensation you deserve. Don’t let the insurance company take advantage of you—stand up for your rights and fight for what is fair.