Understanding the Insurance Industry’s Tactics
Insurance companies position themselves as protectors, offering peace of mind in times of crisis. But when you’re injured in an accident, their primary goal isn’t to help you—it’s to minimize what they pay. Victims of car crashes, workplace injuries, and other serious accidents often find themselves fighting against delays, denials, and lowball settlement offers.
At Christmas Injury Lawyers, we know how the insurance industry operates. Our experienced legal team is committed to holding them accountable and making every effort to secure the maximum compensation you deserve under South Carolina law. With nearly 30 years of experience, we’ve seen firsthand how insurers put profits before people—and we fight to level the playing field for injury victims like you.
The Truth About Insurance Companies
Most people trust that their insurance provider will take care of them after an accident. Unfortunately, that trust is often misplaced. Insurers are businesses focused on increasing their bottom line—not on making sure you get the care and compensation you need.
How Insurance Companies Protect Their Profits
When you file a claim, you expect the insurance company to fairly evaluate your case. Instead, they employ a variety of tactics designed to pay out as little as possible.
Common Insurance Adjuster Tricks
- Delaying Claims: The longer they delay, the more desperate victims become, making them more likely to accept a low settlement.
- Many victims struggle financially after an accident, making them vulnerable to these pressure tactics. Insurers count on this to force an unfair resolution.
- Denying Liability: Insurers often argue that their policyholder wasn’t at fault, even when the evidence says otherwise.
- They may use selective evidence or dispute medical records to create doubt about your claim.
- Offering Lowball Settlements: Initial settlement offers rarely cover the full extent of medical bills, lost wages, and pain and suffering.
- Without a lawyer, many victims accept these offers, not realizing they could be entitled to much more.
Why You Need a Lawyer to Fight Back
Having an experienced personal injury lawyer on your side can make all the difference in your case. Insurance companies have entire teams of adjusters, lawyers, and investigators working to minimize what they pay. You need someone in your corner who understands their tactics and knows how to counter them.
How Christmas Injury Lawyers Can Help
Our firm has been fighting insurance companies for nearly 30 years. We don’t fall for their tricks, and we know how to push back against unfair tactics.
Our Approach to Fighting Insurance Companies
- Thorough Investigation: We gather all the evidence needed to strengthen your case.
- From accident reports to expert testimonies, we ensure no detail is overlooked. We work with medical professionals, accident reconstruction experts, and other specialists to build a strong case on your behalf.
- Insurance companies often try to downplay injuries or argue that they were pre-existing. Our thorough approach ensures that every aspect of your injuries and damages is properly documented.
- Aggressive Negotiation: We don’t settle for the first low offer—our team fights for a fair resolution.
- Many insurance companies change their tune when they see we are prepared to take cases to court. They know that we won’t back down when it comes to protecting our clients’ rights.
- We leverage our knowledge of South Carolina injury law to counter insurance tactics and push for the compensation you rightfully deserve. Our goal is to ensure that any settlement accounts for all past, present, and future damages.
- Trial-Ready Representation: If the insurer refuses to do what’s right, we are fully prepared to take them to trial.
- Many law firms push for quick settlements. We are a litigation firm, meaning we take cases to court when necessary. Our attorneys have extensive courtroom experience and are not afraid to present a strong case in front of a judge and jury.
- Insurance companies are more likely to offer fair settlements when they know they are up against a firm with a track record of success in the courtroom. Our readiness to go to trial ensures that our clients have the strongest possible legal representation.
FAQs About Insurance Company Tactics
Why do insurance companies delay claims?
Insurance companies delay claims to pressure injury victims into accepting lower settlements. The longer they drag out the process, the more likely a victim is to become financially desperate and settle for less than they deserve.
Can I negotiate with the insurance company myself?
You can, but it’s not recommended. Insurance adjusters are trained negotiators who use tactics to devalue your claim. Having a lawyer levels the playing field and ensures your rights are protected.
What should I do if my claim is denied?
A denial is not the end of the road. You have the right to challenge the decision, and an attorney can help you gather the necessary evidence to appeal and fight for fair compensation.
How do I know if the insurance company’s offer is fair?
Unless you have legal experience, it’s difficult to determine if an offer is truly fair. A personal injury lawyer can review the details of your case and advise whether the offer is reasonable based on the full extent of your damages.
What if the insurance company claims I was at fault?
This is a common tactic. Even if the insurer argues that you were partially responsible, South Carolina law allows you to recover damages as long as you are not more than 50% at fault. An attorney can help prove your case and fight for a fair outcome.
Contact Christmas Injury Lawyers Today
If you’ve been injured and are facing off against an insurance company, don’t go through it alone. They have teams of professionals working to reduce what they owe you—you need a dedicated legal team fighting for your rights.
Christmas Injury Lawyers is here to help you through every step of the process. Contact us today for a free case evaluation, and let us take the burden off your shoulders while you focus on healing.
Call (843) 380-4112 or fill out our online form to get started.
