One of the biggest misconceptions is that insurance adjusters are “on your side.” While they may sound friendly, their job is to gather information that can be used against you later. Often, insurers will quickly ask for a recorded statement in hopes you’ll say something they can use to deny or minimize your claim.

Another common tactic is rushing to settle. Insurers may present an initial offer that seems reasonable, especially when medical bills are piling up, but in most cases that offer is far below what the claim is truly worth. They know that once you accept and sign, you give up the right to seek further compensation, even if your injuries turn out to be more serious than you thought.

Insurance companies also rely heavily on your medical history. They may argue your pain comes from an old injury rather than the recent accident. Or they might cherry-pick parts of your medical records while ignoring evidence that clearly shows new trauma. Without an experienced attorney to push back, these arguments can unfairly reduce your claim.