Insurance Company Tactics: How to Combat Lowball Offers and Denied Claims

After an accident, many people assume insurance companies will act fairly and promptly. Unfortunately, insurance companies are businesses first. And protecting their bottom line often comes before helping injured victims. Here are the most common tactics insurance companies continue to use to minimize payouts.

The most common is the quick lowball offer. Shortly after an accident, an adjuster may extend a fast settlement before you understand the extent of your injuries. These offers often arrive while you’re still in pain, missing work, and feeling overwhelmed. While tempting, early settlements rarely reflect the true value of your claim, especially when future medical care, ongoing therapy, or long-term limitations are involved. Similarly, they may try to scare you with comments such as, “If you don’t respond to us quickly, we’re closing your case.” 

Another strategy is delaying the process. Insurers may request repeated forms, ask for duplicate records, take weeks to return calls, or claim your file is still “under review.” These delays are often designed to wear you down emotionally and financially, hoping you’ll accept less just to move on.

Third, companies may deny claims outright. They might argue that your injuries were pre-existing, that their policyholder wasn’t responsible, or that there isn’t enough proof. These denials can feel personal, but they are usually calculated business decisions.

The most effective way to combat these tactics is preparation and legal support. Strong documentation, consistent medical care, and experienced representation can level the playing field. The attorneys at Cohen, Feeley, Altemose & Rambo understand how insurers operate and know how to challenge unfair practices so you’re not pressured into settling for less than you deserve.