After a car accident or injury, you may receive a call from an insurance adjuster within days—or even hours. While insurance companies are quick to contact you, they often have one goal in mind: minimize payouts. At The Mane Law Firm, we help clients across Texas, Colorado, and New Mexico navigate the insurance process and protect their legal rights.
Here’s a practical guide with essential dos and don’ts, plus common insurance tactics and how to respond.
✅ Dos: Protect Yourself and Your Claim
1. Do Notify Your Insurance Company Promptly
- Report the accident as soon as possible.
- Provide basic facts—where, when, who was involved.
- Keep it brief; stick to facts and avoid speculation.
2. Do Seek Medical Attention Immediately
- Document your injuries through medical records.
- Attend all follow-up appointments.
- Delays can reduce your claim’s value and provide an excuse for denial.
3. Do Keep Records of Everything
- Medical bills, repair estimates, lost wage documentation.
- Save all written communication with insurance companies.
- Keep a diary of symptoms and recovery progress.
4. Do Consult with a Personal Injury Lawyer
- A lawyer can handle negotiations and protect you from insurance tactics.
- At The Mane Law Firm, we help clients maximize their settlements and avoid costly mistakes.
Don’ts: Avoid These Common Pitfalls
1. Don’t Give a Recorded Statement Without a Lawyer
- Adjusters may pressure you to record a statement.
- Politely decline and say, “I’d like to consult my attorney first.”
2. Don’t Accept the First Settlement Offer
- Initial offers are often lowball amounts.
- Consult your lawyer to evaluate the true value of your claim.
3. Don’t Sign Anything Without Legal Review
- Some documents may waive your rights or release the insurance company from liability.
- Always have a lawyer review settlement agreements.
4. Don’t Post About Your Accident on Social Media
- Insurance companies monitor social media.
- A simple photo or comment can be used to challenge your injury claims.
⚠️ Common Insurance Tactics (and How to Respond)
Tactic 1: Quick Settlement Offer
- Why they do it: To close the case before you know the full extent of your injuries.
- Your response: “I appreciate the offer, but I need to complete my treatment and discuss this with my lawyer.”
Tactic 2: Downplaying Your Injuries
- Why they do it: To justify reducing or denying your claim.
- Your response: Provide medical records and continue treatment; let your attorney handle the pushback.
Tactic 3: Blaming You for the Accident
- Why they do it: To reduce the payout under comparative negligence laws.
- Your response: Stay calm, don’t admit fault, and direct all communications to your attorney.
Tactic 4: Delaying the Process
- Why they do it: To pressure you into settling for less.
- Your response: Be patient and let your attorney handle the delays strategically.
Why Legal Guidance Makes a Difference
Insurance companies are skilled negotiators with legal teams on their side. Without experienced legal counsel, you risk:
- Accepting less than you deserve.
- Signing away important rights.
- Missing key deadlines that can bar your claim.
At The Mane Law Firm, we help clients in Texas, Colorado, and New Mexico get the compensation they need to recover and rebuild.
Get Help with Your Injury Claim Today
If you’ve been injured and are dealing with an insurance company, don’t go it alone. Contact The Mane Law Firm today for a free consultation.
✅ No upfront fees
✅ Experienced negotiation on your side
✅ Serving Texas, Colorado, and New Mexico
Contact Us Now to speak with a personal injury attorney.