Insurance claim adjusters use specific strategies to minimize settlement payouts. Understanding these strategies — and how to counter them — is the difference between a fair settlement and an inadequate one.
Common Adjuster Minimization Strategies
- Requesting recorded statements to create inconsistencies
- Making early settlement offers before full injury extent is known
- Citing policy exclusions that may not apply or be ambiguous
- Applying excessive depreciation to reduce actual cash value
- Blaming pre-existing conditions for all symptoms
- Disputing causation even when the accident mechanism clearly supports the injury
How to Counter Adjuster Tactics
The most effective counter to any adjuster strategy is having a knowledgeable attorney in your corner. CDF Law handles all adjuster communications, counters misrepresentations with evidence and law, and escalates to litigation when adjusters act in bad faith.
Call CDF Law Before Talking to the Adjuster
(832) 945-1900 — free consultation. Don't give a recorded statement until you've spoken with CDF Law.