You did the right thing after your accident—got medical attention, reported the incident, and filed a claim. But when the insurance company comes back with a lowball offer, it feels like a slap in the face.

The truth is, insurers don’t make money by paying out fair settlements—they profit by minimizing what they owe. Being aware of their tactics is the first step to protecting your rights—and getting what you’re owed after an accident.

1. They Act Fast—Before You Know the Full Extent of Your Injuries

Insurers may contact you immediately after the accident with a settlement offer. It might seem generous at first—until weeks later when new symptoms develop or you realize the recovery will take longer than expected. Once you accept that check, your claim is closed, even if your condition worsens.

2. They Downplay or Dispute Medical Treatment

If you miss appointments, delay treatment, or have gaps in your medical records, the insurance company will use that against you. They may claim your injuries aren’t as serious as you say, or argue that something else caused your condition. Even when you follow your doctor’s advice, they’ll scrutinize every note looking for a reason to pay less.

3. They Blame You for the Accident

One of the most common tactics is shifting the blame—completely or partially—onto you. In Ohio, if you’re found more than 50% at fault, you lose the right to recover damages. Even if you’re less than 50% at fault, your compensation is reduced proportionally. Don’t give them ammunition by casually accepting blame or downplaying what happened.

4. They Twist and Use Your Words Against You

A simple phone call with an insurance adjuster can come back to haunt you. They’re trained to get you talking—then twist your statements to fit their narrative. Phrases like “I’m fine” or “It’s not that bad” can be taken out of context and used to justify a lower payout.

Don’t Let the Insurance Company Decide What Your Claim Is Worth

You have the right to full and fair compensation—not just what the insurer feels like offering. Before you accept anything, talk to a lawyer who knows how to fight back.

The Law Offices of Tim Misny can help you push back against lowball insurance tactics. When insurance companies lowball you or try to make you settle for less, I’ll Make Them Pay!^® Call my office at (877) 614-9524 so that I can evaluate your case right away.