How To Talk An Insurance Company’s Claims Adjuster

Every insurance company operates in the same way; they pay you as little as possible to increase their profits. This is not personal to your case, they just collect your monthly premiums and then when things go wrong, they try to find loopholes to avoid paying. In order to know how to talk to an insurance company adjuster, you must know the secret of their unfair tactics.

Insurance companies’ tricks to making money are to take as many monthly premiums as possible and payout as little in claims as possible. Luckily for you, there is a way to stop insurance companies from underpaying your claim.

Deny Delay & Defend

If you think you can go up against Insurance Companies and their adjusters, you need to know about their Tactics: Deny, Delay, and Defend.

Several years ago large insurers were caught red-handed in a CNN investigative piece. CNN’s Anderson Cooper uncovered Insurance Companies’ “Three D Approach” where adjusters were taught to “deny, delay, and defend” especially on minor claims.

Insurance Companies found that when they wore a claimant down, they were able to reduce or avoid paying compensation altogether. The investigation showed that the claim’s process was so complex that most people gave up on pursuing fair compensation. After the exposée, the insurance companies argued that they were using these tactics to fight fraud, but they are keeping money out of accident victims’ pockets.

Most accident victims we speak to are really shocked that they are being treated in such a manner by insurance companies.

Nakase Law Firm is a California car accident law firm that knows every trick insurance claim adjusters will throw at you. Call us to book a free consultation and speak to us about your case. We can handle those pesky insurance companies and make sure you get the money you deserve.

Insurance Companies Claim Secret 1: Assign Low Claim Value

The first secret that Insurance Companies uses is that it assigns low value claims to teams of adjusters rather than an individual adjuster. Therefore, if your claim has been assigned to a team, you will only get lowball offers for them and will have to file a lawsuit to get them to make anything close to a fair settlement offer.

The team adjusters are the lowest on the food chain and do not have the authority to make anything but low offers. They are assigned “minor” accident claims rather than major injury claims and have a threshold of how much they can offer. Once you file a lawsuit, the claim will be assigned to an individual adjuster instead, who has a lot more authority. Therefore, filing a lawsuit is one of the ways in which to get insurance adjusters to take your case seriously.

Insurance Companies Claim Secret 2: Get a Recorded Statement

You probably heard this on police say this on TV: “Anything you say can be and will be use against you in the court of law.”


NEVER give a record statement! Insurance companies often ask claimants to make a recorded statement, but you do not have to give a recorded statement. Insurance adjusters will try to convince you it is a requirement, but the law does not say so.

When a Nakase Law Firm car accident attorney represents their clients, we deny the requests for recorded statements. If they are unsure about the facts of the accident, they can check it against the police report. If they need to clarify your injuries, they can check the copies of your medical records and bills. The only reason an insurance adjuster needs to take a recorded statement is to record you answering leading questions that will damage your case.

For example, they will record you answering “How are you feeling today?” with the reflexive answer of “fine” or “good” to argue that your injuries must not be that bad. They will use these recordings against you every step of the way.

The law does not require you to give a recorded statement, and it is in your best interest not to. In most cases, they will take a recorded statement on the day of the accident before your body fully feels the effects of your injuries. Most accident victims feel much worse a day or two after the accident, once the adrenalin wears off. Instead, hire a lawyer and ask them to direct all questions to your legal representative.

Insurance Companies Claim Secret 3: Medical Record Release

NEVER give the insurance company a blanket medical record release.  A common trick that Insurance Companies uses is to dig through your past to find anything that can be used to reduce your claim. They will dig through your medical records, looking for anything that can be called a preexisting medical condition.

One of the secrets to handling insurance claims adjusters is to carefully review any requests for medical records. Never give them authorization to request medical records on your behalf, and never give them access to medical records that are not directly related to your case.

For example, a car accident victim who suffered debilitating neck pain makes an insurance claim for their injuries. The insurance company saw in their medical records that 20 years ago they suffered a neck injury while playing soccer. The insurance company would use this information to reduce the compensation they offer the victim. Therefore, deny any requests for medical records that are not related to your accident or hire a car accident lawyer to deal with the insurance company.

At Nakase Law Firm, our car accident lawyers will handle the insurance companies and evaluate their requests for medical records. We have worked with every single insurance company in the game, and we know when they are fishing. Our lawyers will protect your rights and ensure your case is the strongest it can be.

Insurance Companies Claim Secret 4: Delay Delay Delay

Another dodgy tactic that insurance companies use are dragging an insurance claim out. They do this to add financial pressure to car accident victims, knowing that medical bills and missed wages are piling up. Most car accident victims would not be able to afford the medical bills from a minor accident, let alone a serious accident. Couple this with weeks or months off work as you recover from injuries and PTSD, and you are likely to be grateful for any amount of money that comes your way.

Insurance companies will draw out the process with unnecessary paperwork, consideration periods, and numerous hoops for claimants to jump through. They know that the more stressful your financial state, the more likely you are to accept a lowball offer just so you can cover your rent and food. So, insurance companies will wait and draw out the process as long as possible.

You need to understand your rights and the legal process of settlements. Nakase Law Firm offers free consultations for this reason. We want you to understand exactly how much your claim is worth and that accepting a settlement means that you cannot seek further compensation.

Once you understand the value of your claim, it is easy to turndown settlements that sound like large numbers but do not come close to covering your expenses. If you hire a car accident attorney from Nakase Law Firm, you are letting the insurance companies know that we mean business. We will not hesitate to file a lawsuit if they refuse to play ball. We want this to get sorted in a quick and satisfactory way so you can move on with your life.

Insurance Companies Claim Secret 5: Feign Friendship and Empathy

Do you know what insurance adjusters don’t want you to do? Hire an experienced car accident lawyer like those at Nakase Law Firm. They know that we know every trick in the book and will not be bullied or swayed into taking anything less than our clients deserve. Insurance Companies claims adjusters will contact you immediately after a car accident to try and tempt you with a seemingly generous offer that is far less than needed to cover your expenses.

They will also try and talk you out of seeking legal advice, claiming that it will reduce your payout. However, a car accident lawyer will increase the total payout by a significant amount more than their attorney fees. They will help you to factor in future costs of your accident, non-economical damages, and strengthen your case against any partial fault attacks.

How a Skilled Car Accident Lawyer Can Get You The Compensation You Deserve

Those were just a few examples of the dirty tricks insurance companies like Insurance Companies use against car accident victims. The worst part is the money is going straight into their pockets. Insurance Companies has a net worth of over $100 billion and took in $63.9 billion in one year. This money comes out of the hands of people who need it to support them after a debilitating injury that was not their fault. This money goes to paying celebrities to appear in their commercials.

This is why Nakase Law Firm’s car accident attorneys are so passionate about protecting car accident victims and helping them to get a fair settlement that will cover their expenses. We know what is right and what is wrong, and you deserve better than being cheated in your hour of need. Here are some of the ways our car accident lawyers will fight to get the compensation you deserve:

Protect your rights throughout the claims process

While you are recovering from injuries, on painkillers, and worrying about your future, the insurance companies strike to take advantage of your lowered defenses. They will use your distraction to try and trick you into releasing unnecessary medical records, making an incriminating statement, or taking a settlement that does not even begin to cover your expenses. They keep doing it because it works!

Most people they speak to have not been in an accident before and they do not know what to do in this situation. They see the insurance adjuster as an expert and believe everything they are telling them. You need to seek legal advice immediately after a car accident and before you speak to an insurance adjuster. While the insurance adjuster’s interests are opposite to yours, a car accident lawyer’s interest matches up with yours.

The car accident attorneys at Nakase Law Firm work on contingency, which means we don’t get paid until we win your case. Because our fee is a small percentage of your settlement, it is in our best interest to maximize your compensation. An insurance company is paying your settlement directly out of their profit; therefore, it is in their best interest to reduce your compensation. Follow the money, and you will see who you can trust!

Calculate the true cost of your injuries

It is really complex to calculate the true cost of injuries. Some are easily worked out through hospital bills, car repair bills, and lost wages, however, others are more complex.

How can you put a number to future medical bills, costs of rehabilitation or therapy?

How can you calculate the value of your pain or suffering, or lost wages if you are unable to return to work ever?

At Nakase Law Firm, we have a team of medical experts, economists, private investigators, and home care professionals to calculate the financial implications of your injuries in full. For example, if you cannot work again because of your injuries, multiplying your yearly salary by the number of years left until retirement will not be a true indication of your losses. The economist will take into account possible promotions, inflation, loss of retirement contributions, and even the likelihood of the age of retirement increasing. This way, the value we put to your claim will be backed up by expert calculations and defendable in court.

Before accepting a settlement offer, it is imperative that you speak to a car accident lawyer to ensure the settlement is fair. At Nakase Law Firm, we offer free consultations so you can seek legal advice before making a decision. The minute you accept the settlement, you cannot seek additional compensation when you realize it does not cover your injuries.

Negotiate a fair settlement offer

We are able to settle the majority of personal injury accidents out of court because we send our valuation with irrefutable evidence and have a reputation for being unresponsive to insurance companies’ games. With us on your side, insurance companies are more likely to settle. Our car accident attorneys are skilled negotiators and have an expert understanding of personal injury law, required skills for winning a fair settlement. Without a lawyer, you are putting yourself at a huge disadvantage because of a lack of experience.

Take the insurance company to court if necessary

Our skilled litigators are not afraid to take insurance companies like Insurance Companies to court if they refuse to play fair. While we prefer to settle out of court, as it is a quicker process which means your financial stress is over much faster, we will not accept anything less than fair compensation. We have decades of experience fighting for our clients’ rights, and we will not stop until you get every dime you deserve.

These are just a few examples of the ways we can help car accident victims go up against large insurance companies like Insurance Companies. The main thing to remember is that Insurance Companies is not on your side and will constantly look for ways to pay you less than you deserve.

A car accident lawyer is the only person on your side in a car accident claim. Nakase Law Firm’s whole team will be by your side, doing everything we can to maximize your compensation. We are several moves ahead of Insurance Companies, and none of their tricks will blindside us.

What If I Cannot Afford a Lawyer For My Car Accident Claim?

Everyone assumes lawyers are expensive; however, for a car accident claim, an attorney will recover way more money for you than you could get on your own. Whether your case may settle or head to trial, seek legal advice before you speak to an insurance company.

At Nakase Law Firm, we ensure there is zero financial risks to seek quality legal advice. We offer free consultations so you can discuss your case with our experienced car accident attorneys. The consultation is free, whether you choose to employ us or not. Our lawyers also work on contingency fee basis, so you will not pay a dime until we win your case. If we do not win your case, which is rare, then you do not pay us for our advice and representation. With no upfront cost in hiring a car accident lawyer, why not choose an experienced team with a track record for success?

Speak to the Skilled Car Accident Attorneys at Nakase Law Firm

If you were injured in a car accident and want to be treated fairly by insurance companies like Insurance Companies, then call our California office for a free consultation. Brad Nakase and his team have decades of experience with insurance companies’ dodgy tricks and will fight for fair compensation. We are so passionate about helping car accident victims in California that you will not pay us a dime until we win your case.

Brad Nakase, Attorney



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