{"id":109759,"date":"2026-03-30T22:39:07","date_gmt":"2026-03-30T22:39:07","guid":{"rendered":"https:\/\/dklaw.com\/?p=109759"},"modified":"2026-03-30T22:39:51","modified_gmt":"2026-03-30T22:39:51","slug":"insurance-company-tactics","status":"publish","type":"post","link":"https:\/\/dklaw.com\/ko\/the-fine-print\/insurance-company-tactics\/","title":{"rendered":"Insurance Company Tactics: 12 Moves Adjusters Use to Shrink Your Claim"},"content":{"rendered":"<div class=\"dklaw-section dklaw-hero dklaw-hero__blog align wp-block-dklaw-hero-blog has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><div class=\"dklaw-breadcrumbs align wp-block-dklaw-breadcrumbs\"><a href=\"https:\/\/dklaw.com\">Home<\/a><a href=\"https:\/\/dklaw.com\/ko\/the-fine-print\/insurance-company-tactics\/\" class=\"current\">Insurance Company Tactics: 12 Moves Adjusters Use to Shrink Your Claim<\/a><script type=\"application\/ld+json\">\n\t{\n\t  \"@context\": \"https:\/\/schema.org\",\n\t  \"@type\": \"BreadcrumbList\",\n\t  \"itemListElement\": [\n\t\t  {\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 1,\n\t\t\t\t\"name\": \"Home\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\"\n\t\t\t},{\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 2,\n\t\t\t\t\"name\": \"Insurance Company Tactics: 12 Moves Adjusters Use to Shrink Your Claim\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\/ko\/the-fine-print\/insurance-company-tactics\/\"\n\t\t\t}\n\t  ]\n\t}\n\t<\/script><\/div>\n\n\n<h1 class=\"wp-block-heading\">Insurance Company Tactics: 12 Moves Adjusters Use to Shrink Your Claim<\/h1>\n\n\n<div class=\"dklaw-hero__blog-meta align wp-block-dklaw-hero-blog-meta\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-taxonomies align wp-block-dklaw-taxonomies\"><a href=\"https:\/\/dklaw.com\/ko\/learning-hub\/?_topics=behind-the-law\" rel=\"nofollow\">Behind The Law<\/a> <a href=\"https:\/\/dklaw.com\/ko\/learning-hub\/?_topics=insurance-and-claims\" rel=\"nofollow\">Insurance &amp; Claims<\/a> <a href=\"https:\/\/dklaw.com\/ko\/learning-hub\/?_topics=know-your-rights\" rel=\"nofollow\">Know Your Rights<\/a> <\/div>\n\n\n<p class=\"has-primary-gray-color has-text-color\">Reading Time: 15 Minutes<\/p>\n\n<\/div><span>March 30, 2026<\/span><span>Michelle Lysengen<\/span><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2026\/03\/insurance-company-tactics-1.jpg\" alt=\"A suited insurance adjuster sits reclined in a leather office chair with feet on his desk, talking on the phone with a claim file visible on the desk, a laptop nearby, and the Los Angeles skyline visible through floor-to-ceiling windows in front of him.\" class=\"wp-image-109760\" srcset=\"https:\/\/dklaw.com\/wp-content\/uploads\/2026\/03\/insurance-company-tactics-1.jpg 1200w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/03\/insurance-company-tactics-1-300x200.jpg 300w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/03\/insurance-company-tactics-1-1024x683.jpg 1024w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/03\/insurance-company-tactics-1-768x512.jpg 768w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/03\/insurance-company-tactics-1-18x12.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<\/div>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"dklaw-section dklaw-toc alignfull wp-block-dklaw-toc\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__sidebar align wp-block-dklaw-toc-sidebar\"><div class=\"dklaw-toc__sidebar-menu\"><h4 class=\"dklaw-toc__sidebar-toggle\">Jump To<\/h4><ul><\/ul><\/div><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-card align wp-block-dklaw-card has-background has-primary-black-background-color\"><div class=\"acf-innerblocks-container\">\n\n<h4 class=\"wp-block-heading has-primary-white-color has-text-color\">Every 4 minutes.<\/h4>\n\n\n\n<p class=\"has-primary-white-color has-text-color\">On average, every 4 minutes someone picks up the phone and calls us for help. That kind of trust says everything.<\/p>\n\n\n\n<div class=\"wp-block-button is-style-button-phone\"><a class=\"wp-block-button__link has-primary-yellow-background-color has-background wp-element-button\" href=\"tel:7147903562\">714-790-3562<\/a><\/div>\n\n<\/div><\/div>\n<\/div><\/div>\n\n<div class=\"dklaw-toc__blocks align wp-block-dklaw-toc-blocks\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<p>The person calling you after your accident sounds helpful. Concerned, even. They ask how you&#8217;re feeling. They say they want to get this resolved quickly so you can move on with your life. And they mean it. They do want to resolve this quickly. Just not for the reasons you think.<\/p>\n\n\n\n<p>Insurance adjusters are experienced professionals who handle hundreds of claims each year. Their role, by design, is to evaluate and close claims efficiently and at the lowest possible cost to their employer. That doesn&#8217;t make them bad people \u2013 it is simply how the system is structured. The faster they close your claim and the less they pay out, the better their numbers look. Understanding that single fact changes how you hear every word they say to you.<\/p>\n\n\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Poppins:ital,wght@0,300;0,400;0,600;0,700;0,800;1,400&display=swap');\n\n.dk-case-brief {\n  --gold: #EEB226;\n  --gold-light: #f5d56a;\n  --ink: #131314;\n  --paper: #f7f3eb;\n  --paper-dark: #e8e2d6;\n  --red: #c41e3a;\n  --stamp-blue: #1e3a5f;\n  \n  font-family: 'Poppins', -apple-system, BlinkMacSystemFont, sans-serif;\n  position: relative;\n  margin: 2.5rem auto;\n  max-width: 720px;\n  background: var(--paper);\n  padding: 0;\n  box-shadow: \n    0 2px 4px rgba(0,0,0,0.1),\n    0 8px 24px rgba(0,0,0,0.15),\n    0 24px 48px rgba(0,0,0,0.1);\n  transform: rotate(-0.5deg);\n}\n\n.dk-case-brief::before {\n  content: '';\n  position: absolute;\n  top: -12px;\n  left: 0;\n  right: 0;\n  height: 12px;\n  background: var(--paper);\n  clip-path: polygon(\n    0% 100%, 2% 60%, 5% 100%, 8% 50%, 11% 100%, 14% 70%, 17% 100%, \n    20% 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1.5rem 1.25rem 1rem; }\n  .dk-case-brief__item { grid-template-columns: 60px 1fr; gap: 1rem; }\n  .dk-case-brief__exhibit-letter { width: 40px; height: 40px; font-size: 1.25rem; }\n  .dk-case-brief__text { font-size: 0.9rem; }\n  .dk-case-brief__footer { padding: 0.75rem 1.25rem 1.25rem; flex-direction: column; align-items: center; gap: 1.25rem; }\n  .dk-case-brief__stamp-img { width: 70px; }\n  .dk-case-brief__cta { width: 100%; justify-content: center; }\n  .dk-case-brief__cta-btn { flex: 1; justify-content: center; max-width: 220px; }\n}\n<\/style>\n\n<article class=\"dk-case-brief\">\n  <div class=\"dk-case-brief__stain\"><\/div>\n  <div class=\"dk-case-brief__staple\"><\/div>\n  \n  <header class=\"dk-case-brief__header\">\n    <h2 class=\"dk-case-brief__title\">Key <span>Takeaways<\/span><\/h2>\n    <span class=\"dk-case-brief__stamp\">Priority<\/span>\n    <img decoding=\"async\" \n      src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2026\/02\/Full-Logo-White.png\" \n      alt=\"DK Law Group\" \n      class=\"dk-case-brief__logo\"\n    \/>\n  <\/header>\n  \n  <div class=\"dk-case-brief__body\">\n    <div class=\"dk-case-brief__case-no\">\n      Case Brief &bull; Privileged &amp; Confidential\n    <\/div>\n    \n    <div class=\"dk-case-brief__items\">\n\n      <div class=\"dk-case-brief__item\">\n        <div class=\"dk-case-brief__exhibit\">\n          <span class=\"dk-case-brief__exhibit-label\">Exhibit<\/span>\n          <div class=\"dk-case-brief__exhibit-letter\">A<\/div>\n        <\/div>\n        <div class=\"dk-case-brief__content\">\n          <p class=\"dk-case-brief__text\">Insurance adjusters are evaluated on <mark>financial performance metrics<\/mark> \u2014 average payout amounts, closure speed, and settling below reserved amounts. Bonuses of 10\u201330% of base salary can ride on those targets. Their incentives and yours are not aligned.<\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"dk-case-brief__item\">\n        <div class=\"dk-case-brief__exhibit\">\n          <span class=\"dk-case-brief__exhibit-label\">Exhibit<\/span>\n          <div class=\"dk-case-brief__exhibit-letter\">B<\/div>\n        <\/div>\n        <div class=\"dk-case-brief__content\">\n          <p class=\"dk-case-brief__text\">California&#8217;s Fair Claims Settlement Practices Regulations require insurers to <mark>acknowledge your claim within 15 days<\/mark> and accept or deny it within 40 days of receiving proof of loss. Violations are evidence of bad faith.<\/p>\n          <p class=\"dk-case-brief__annotation\">&rarr; Missing these deadlines is legally actionable<\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"dk-case-brief__item\">\n        <div class=\"dk-case-brief__exhibit\">\n          <span class=\"dk-case-brief__exhibit-label\">Exhibit<\/span>\n          <div class=\"dk-case-brief__exhibit-letter\">C<\/div>\n        <\/div>\n        <div class=\"dk-case-brief__content\">\n          <p class=\"dk-case-brief__text\">You have the right to <mark>refuse recorded statements<\/mark> and blanket medical authorizations that would expose your entire health history \u2014 not just records relevant to your injury.<\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"dk-case-brief__item\">\n        <div class=\"dk-case-brief__exhibit\">\n          <span class=\"dk-case-brief__exhibit-label\">Exhibit<\/span>\n          <div class=\"dk-case-brief__exhibit-letter\">D<\/div>\n        <\/div>\n        <div class=\"dk-case-brief__content\">\n          <p class=\"dk-case-brief__text\">California Insurance Code &sect;&nbsp;790.03(h) lists <mark>16 specific prohibited claims practices<\/mark>. Even a single knowing violation can trigger enforcement action. If an adjuster&#8217;s behavior feels wrong, there may be a statute that says it is.<\/p>\n          <p class=\"dk-case-brief__annotation\">&rarr; Document every interaction \u2014 dates, names, what was said<\/p>\n        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n  \n  <footer class=\"dk-case-brief__footer\">\n    <img decoding=\"async\" \n      src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2026\/02\/dk-law-legal-stamp-1.png\" \n      alt=\"DK Law Official Stamp\" \n      class=\"dk-case-brief__stamp-img\"\n    \/>\n    <div class=\"dk-case-brief__cta\">\n      <div class=\"dk-case-brief__cta-prompt\">\n        <span class=\"dk-case-brief__cta-text\">Injured?<\/span>\n        <div class=\"dk-case-brief__cta-arrow\">\n          <svg viewBox=\"0 0 50 40\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path d=\"M5 8 Q15 5, 25 12 T45 20\" \/>\n            <polygon points=\"42,14 50,20 42,26\" \/>\n          <\/svg>\n        <\/div>\n      <\/div>\n      <a href=\"https:\/\/dklaw.com\/contact\/\" class=\"dk-case-brief__cta-btn\">\n        <svg class=\"dk-case-brief__cta-btn-icon\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n          <path d=\"M6.62 10.79c1.44 2.83 3.76 5.14 6.59 6.59l2.2-2.2c.27-.27.67-.36 1.02-.24 1.12.37 2.33.57 3.57.57.55 0 1 .45 1 1V20c0 .55-.45 1-1 1-9.39 0-17-7.61-17-17 0-.55.45-1 1-1h3.5c.55 0 1 .45 1 1 0 1.25.2 2.45.57 3.57.11.35.03.74-.25 1.02l-2.2 2.2z\"\/>\n        <\/svg>\n        Free Consultation\n      <\/a>\n    <\/div>\n  <\/footer>\n<\/article>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Why Do Adjusters Use These Tactics? The Business Model Behind the Behavior<\/h2>\n\n\n\n<p>Claims departments run on metrics. Average paid claim amounts, claim severity ratios, closure rates, and reserves management. In a 2024 federal case, <em>Barten v. State Farm<\/em>, an Arizona court compelled State Farm to disclose internal documents about adjuster financial goals and incentive structures, ruling that this information was discoverable in bad faith litigation because it directly impacts how policyholders get treated.<\/p>\n\n\n\n<p>Industry commentators have noted that performance bonuses rewarding adjusters for paying claims fully and promptly are largely absent from most incentive plans. What does get rewarded: settling below the reserved amount, closing files quickly, and avoiding litigation. None of these metrics measures whether you received fair compensation.<\/p>\n\n\n\n<p>This matters because every tactic below flows from this reality. The adjuster isn&#8217;t freelancing. They&#8217;re following a playbook designed to protect the company&#8217;s bottom line.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #1: They Call Within 48 Hours Asking for a Recorded Statement?<\/h2>\n\n\n\n<p>You&#8217;re still in a hospital gown. Or sitting in a pharmacy parking lot, filling a pain prescription. The adjuster calls, voice warm and reassuring, and asks if you&#8217;d mind giving a quick recorded statement about what happened.<\/p>\n\n\n\n<p>This is not routine. You are under no legal obligation to provide a recorded statement to the other driver&#8217;s insurance company during the claims process. They want to catch you while you&#8217;re medicated, exhausted, and still processing what happened. &#8220;I&#8217;m feeling okay today&#8221; becomes evidence six months later that your injuries weren&#8217;t severe. A vague description of the accident (because you can&#8217;t think straight on Vicodin) becomes a locked-in version they&#8217;ll use to challenge anything you remember more clearly later.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #2: The Lowball &#8220;Final Offer&#8221;<\/h2>\n\n\n\n<p>Within weeks of your accident, before you&#8217;ve finished physical therapy, before you know whether you&#8217;ll need surgery, an offer appears. It sounds like a lot of money when you&#8217;re staring at a pile of bills. The adjuster may call it their &#8220;best and final offer&#8221; or say their authority is limited.<\/p>\n\n\n\n<p>It&#8217;s rarely final. Adjusters typically have settlement authority ranges, not fixed amounts, and claim files often include reserves exceeding the initial offer. The urgency is manufactured. They know that once you finish treatment and understand the full scope of your injuries, your claim is worth significantly more.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #3: Spying on You<\/h2>\n\n\n\n<p>Insurance companies hire private investigators. They review your social media accounts. They drive through your neighborhood. They may sit outside your home in an unmarked car and film you taking out the trash or playing with your dog in the front yard.<\/p>\n\n\n\n<p>Under<a href=\"https:\/\/www.insurance.ca.gov\/privacy-policy\/Privacy.cfm\"> California Civil Code \u00a7 1708.8<\/a>, insurers need an &#8220;articulable suspicion&#8221; that a claim might be fraudulent before deploying video surveillance. They can observe you in public spaces. They cannot trespass on private property, record audio without consent, or engage in harassment. If you suspect you&#8217;re being followed or watched, document it. Dates, times, vehicle descriptions.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #4: Endless Documentation Loop<\/h2>\n\n\n\n<p>You submit your medical records. They ask for more. You send those. They need them in a different format, or from a different date range, or from a provider you saw once three years ago. Every request comes with a polite apology and a two-week turnaround.<\/p>\n\n\n\n<p>This is attrition. California&#8217;s<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=CCP&amp;sectionNum=335.1\"> two-year statute of limitations for personal injury<\/a> is ticking the entire time. The regulations say insurers cannot &#8220;persist in seeking information not reasonably required for or material to the resolution of a claim dispute.&#8221; But proving what&#8217;s &#8220;reasonably required&#8221; is where the gray area lives.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #5: The &#8220;Independent&#8221; Medical Examination?<\/h2>\n\n\n\n<p>The insurance company asks you to see their doctor for an &#8220;independent&#8221; evaluation. The doctor is selected by the insurer, paid by the insurer (often $1,000 to $5,000+ per exam), and may see dozens of claimants per week for that same insurer.<\/p>\n\n\n\n<p>IME doctors who consistently find that injuries are less severe than treating physicians believe tend to stay on the roster. Doctors who agree with your treating physician&#8217;s assessment tend not to get called back. The examination itself is often brief, sometimes 15-20 minutes for injuries that your own doctor spent months evaluating. If you&#8217;re asked to attend an IME during the pre-litigation claims process, know that you can bring a witness, record the exam, and request a copy of the report.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #6: The Friendly Adjuster<\/h2>\n\n\n\n<p>Adjusters receive training in rapport-building. The friendly tone, the personal questions, the &#8220;I&#8217;m on your side&#8221; energy. It serves a purpose. Casual conversation gets documented. When you mention you went to your kid&#8217;s soccer game last weekend, that goes in the file as evidence you&#8217;re physically active. When you say you&#8217;re feeling &#8220;a little better,&#8221; it becomes proof that your injuries are resolving.<\/p>\n\n\n\n<p>They&#8217;re also monitoring your social media. A photo of you smiling at a family barbecue. A check-in at a bowling alley. Activity on a fitness app. All of it gets pulled into the claim file and used against you at the negotiating table.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #7: Using Pre-Existing Conditions Against You<\/h2>\n\n\n\n<p>If you&#8217;ve ever had back pain, a prior car accident, or any kind of chronic condition, expect the adjuster to argue your current injuries are really just old problems resurfacing. They&#8217;ll pull medical records going back years, looking for anything they can pin your symptoms on.<\/p>\n\n\n\n<p>California law is clear on this. Under CACI jury instructions No. 3927 and 3928, a defendant must take you as they find you. If a pre-existing condition was manageable before the accident and debilitating after it, the person who caused the accident owes you for the aggravation. The legal term is the <a href=\"https:\/\/dklaw.com\/the-fine-print\/eggshell-skull-doctrine-personal-injury\/\">&#8220;eggshell plaintiff&#8221; doctrine<\/a>, and it means your medical history doesn&#8217;t let the at-fault party off the hook.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #8: They Inflate Your Share of Fault<\/h2>\n\n\n\n<p>California uses a<a href=\"https:\/\/dklaw.com\/wp-admin\/post.php?post=74725&amp;action=edit\"> pure comparative negligence system<\/a> established by <em>Li v. Yellow Cab Co.<\/em> in 1975. You can recover damages even if you were partially at fault, but your award gets reduced by your fault percentage.<\/p>\n\n\n\n<p>Adjusters exploit this aggressively. If they can bump your fault from 10% to 30%, that&#8217;s a 20% reduction in what they pay. Common arguments: you were on your phone, you didn&#8217;t brake fast enough, you weren&#8217;t wearing a seatbelt, you waited too long to see a doctor. Some of these arguments are legitimate. Many are inflated specifically because most unrepresented claimants don&#8217;t know they can push back.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #9: The &#8220;Scope of Authority&#8221; Lie<\/h2>\n\n\n\n<p>&#8220;I wish I could offer more, but I&#8217;ve reached the limit of my authority.&#8221; This is a negotiation tactic. Adjusters do operate within authority levels that require supervisory approval above certain thresholds. But the threshold is often well above what they&#8217;re offering you. The claim of limited authority creates an artificial ceiling that discourages you from negotiating further.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #10: They Make You Sign a Blanket Medical Authorization<\/h2>\n\n\n\n<p>The adjuster sends you a form and asks you to sign it so they can &#8220;get your medical records and move things along.&#8221; The form authorizes access to your complete medical history from every provider you&#8217;ve ever seen. Psychiatric records. Substance abuse treatment. Reproductive health. Conditions that have zero connection to your car accident.<\/p>\n\n\n\n<p>Under the<a href=\"https:\/\/www.hhs.gov\/hipaa\/for-professionals\/faq\/minimum-necessary\/index.html\"> HIPAA Privacy Rule&#8217;s minimum necessary standard<\/a>, covered entities should only request the minimum PHI needed for a specific purpose. But when you sign a broad authorization, disclosures made under that authorization become exempt from the minimum necessary requirement. That&#8217;s why the scope of what you sign matters so much. Limit authorizations to treatment related to your injury, from specific providers, for a defined time period.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #11: Statute of Limitations Trick<\/h2>\n\n\n\n<p>California gives you two years from the date of injury to file a personal injury lawsuit. The insurance company knows this deadline. You might not. And they will never remind you.<\/p>\n\n\n\n<p>In fact, the Fair Claims Settlement Practices Regulations require insurers to notify unrepresented claimants of applicable deadlines at least 60 days before expiration. But that notice might arrive as a form letter that gets lost in a stack of medical bills. Meanwhile, the documentation loop from Tactic #3 keeps churning, eating months off your clock.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Tactic #12: Settlement Release Language Fine Print<\/h2>\n\n\n\n<p>When you finally reach a settlement number, the release you&#8217;re asked to sign typically contains language waiving all future claims related to the incident. Including injuries that haven&#8217;t shown up yet.<\/p>\n\n\n\n<p>Traumatic brain injuries can take months to fully manifest. Internal soft tissue damage sometimes worsens over time. If you sign a release with broad waiver language and develop complications six months later, you generally cannot reopen the settlement. The finality of that document is something most people don&#8217;t fully appreciate until it&#8217;s too late.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">When Do These Tactics Cross Into Bad Faith Territory?<\/h2>\n\n\n\n<p>Not every frustrating experience with an adjuster is illegal. Insurance companies have a right to investigate claims, request documentation, and negotiate settlements. The line gets crossed when these practices violate<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?sectionNum=790.03&amp;lawCode=INS\"> California Insurance Code \u00a7 790.03(h)<\/a>, which enumerates 16 specific prohibited unfair claims settlement practices.<\/p>\n\n\n\n<p>A few that map directly to the tactics above:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-list\">\n<li>Misrepresenting policy provisions or pertinent facts to claimants<\/li>\n\n\n\n<li>Failing to acknowledge and act promptly on communications<\/li>\n\n\n\n<li>Not attempting in good faith to effectuate fair settlements when liability is reasonably clear<\/li>\n\n\n\n<li>Compelling claimants to file lawsuits by offering substantially less than what a court would later award<\/li>\n\n\n\n<li>Failing to provide a reasonable explanation for denying a claim or offering a low settlement<\/li>\n<\/ul>\n\n\n\n<p>A single knowing violation can trigger enforcement by the California Department of Insurance. If you believe an insurer is engaging in unfair practices, you can <a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/101-help\/\">file a complaint with the CDI<\/a> online or by calling 1-800-927-HELP. The CDI investigates complaints, contacts the insurer, and can order them to reconsider improperly denied claims. It won&#8217;t award you damages directly, but it creates an official record of the insurer&#8217;s conduct, and that record matters if the claim escalates to litigation.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>If any of these tactics sound familiar, you may need more than a web article. <a href=\"https:\/\/dklaw.com\/contact\/\">Contact DK Law for a free consultation<\/a>. Our attorneys have spent years on both sides of personal injury claims, and we know how to counter every move on this list.<\/em><\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-author align wp-block-dklaw-author has-text-color has-primary-black-color has-background has-tertiary-blue-background-color\"><div class=\"dklaw-author__block\"><div class=\"dklaw-author__image\" style=\"background-image:url(https:\/\/dklaw.com\/wp-content\/uploads\/2025\/07\/michelle.jpeg);\"><\/div><div><p>About the Author<\/p><h4 class=\"wp-block-heading is-style-heading-serif\">Michelle Lysengen<\/h4><h6><\/h6><p>Michelle is a content specialist at DK Law and creates content that highlights company events and breaks down complex legal topics into digestible, engaging content. She earned her B.A. in Marketing from California State University, Fullerton.<\/p>\n<div class=\"dklaw-author__social-icons\"><a href=\"https:\/\/www.linkedin.com\/in\/michelle-lysengen\/\"><svg width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g clip-path=\"url(#clip0_5702_21335)\"><path d=\"M15.7416 0H1.25508C0.561133 0 0 0.547852 0 1.2252V15.7715C0 16.4488 0.561133 17 1.25508 17H15.7416C16.4355 17 17 16.4488 17 15.7748V1.2252C17 0.547852 16.4355 0 15.7416 0ZM5.04355 14.4865H2.52012V6.37168H5.04355V14.4865ZM3.78184 5.26602C2.97168 5.26602 2.31758 4.61191 2.31758 3.80508C2.31758 2.99824 2.97168 2.34414 3.78184 2.34414C4.58867 2.34414 5.24277 2.99824 5.24277 3.80508C5.24277 4.60859 4.58867 5.26602 3.78184 5.26602ZM14.4865 14.4865H11.9664V10.542C11.9664 9.60234 11.9498 8.39043 10.6549 8.39043C9.34336 8.39043 9.14414 9.41641 9.14414 10.4756V14.4865H6.62734V6.37168H9.04453V7.48066H9.07773C9.41308 6.84316 10.2365 6.16914 11.4617 6.16914C14.015 6.16914 14.4865 7.84922 14.4865 10.034V14.4865Z\" fill=\"#08368B\"\/><\/g><defs><clipPath id=\"clip0_5702_21335\"><rect width=\"17\" height=\"17\" fill=\"white\"\/><\/clipPath><\/defs><\/svg><\/a><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<div id=\"form\" style=\"--bg-image: url(\/wp-content\/themes\/dklaw\/img\/dklaw-form-bg.jpg);\" class=\"dklaw-section dklaw-cta dklaw-cta-form alignfull wp-block-dklaw-cta-form has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns has-primary-black-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column dklaw-cta-form__bg-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h2 class=\"wp-block-heading dklaw-cta-form__heading has-primary-white-color has-text-color\">DK <em>All the way<\/em><\/h2>\n\n\n<div 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Learn the tactics they use and how California law protects you.<\/p>","protected":false},"author":10,"featured_media":109760,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"12 Insurance Company Tactics After a CA Accident ","_seopress_titles_desc":"Insurance adjusters use specific tactics to reduce your payout. Learn the 12 most common moves, why they work, and how California law protects you. 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