{"id":110071,"date":"2026-05-01T04:00:11","date_gmt":"2026-05-01T04:00:11","guid":{"rendered":"https:\/\/dklaw.com\/?p=110071"},"modified":"2026-05-01T04:02:46","modified_gmt":"2026-05-01T04:02:46","slug":"how-to-counter-insurance-adjuster-tactics","status":"publish","type":"post","link":"https:\/\/dklaw.com\/ko\/the-fine-print\/how-to-counter-insurance-adjuster-tactics\/","title":{"rendered":"How to Counter Insurance Tactics in Injury Settlement Negotiations"},"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\/how-to-counter-insurance-adjuster-tactics\/\" class=\"current\">How to Counter Insurance Tactics in Injury Settlement Negotiations<\/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\": \"How to Counter Insurance Tactics in Injury Settlement Negotiations\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\/ko\/the-fine-print\/how-to-counter-insurance-adjuster-tactics\/\"\n\t\t\t}\n\t  ]\n\t}\n\t<\/script><\/div>\n\n\n<h1 class=\"wp-block-heading\">How to Counter Insurance Adjuster Tactics in Injury Settlement Negotiations<\/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\/?_practice_area=personal-injury\" rel=\"nofollow\">Personal Injury<\/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: 7 Minutes<\/p>\n\n<\/div><span>May 1, 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\/05\/how-to-counter-insurance-adjuster-tactics.jpg\" alt=\"Business professional leaning over a table with hands on a blue leather folder in a professional office setting\" class=\"wp-image-110072\" srcset=\"https:\/\/dklaw.com\/wp-content\/uploads\/2026\/05\/how-to-counter-insurance-adjuster-tactics.jpg 1200w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/05\/how-to-counter-insurance-adjuster-tactics-300x200.jpg 300w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/05\/how-to-counter-insurance-adjuster-tactics-1024x683.jpg 1024w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/05\/how-to-counter-insurance-adjuster-tactics-768x512.jpg 768w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/05\/how-to-counter-insurance-adjuster-tactics-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>Most insurance adjusters in California aren&#8217;t out to ruin you. They&#8217;re following a script. The same script every adjuster gets when an injury claim comes in: open low, ask for things you don&#8217;t have to give, and run the clock until you get desperate enough to sign. Once you understand the script, the moves stop working. This guide walks through the five tactics adjusters use most, the exact counter for each one, and the California-specific rules that put real teeth behind your pushback.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Key Takeaways<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-list\">\n<li>California insurers must acknowledge a claim within 15 calendar days and accept or deny within 40 days under the<a href=\"https:\/\/www.law.cornell.edu\/regulations\/california\/10-CCR-2695.7\"> Fair Claims Settlement Practices Regulations<\/a>.<\/li>\n\n\n\n<li>State regulations explicitly prohibit settlement offers that are &#8220;unreasonably low.&#8221; That phrase is in the regulation, verbatim.<\/li>\n\n\n\n<li>You are not legally required to give a recorded statement to the at-fault driver&#8217;s insurer.<\/li>\n\n\n\n<li>Signing a blanket medical authorization gives the insurer access to your full history, not just records related to your injury.<\/li>\n\n\n\n<li>The<a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/101-help\/\"> California Department of Insurance accepts complaints<\/a> against insurers for claims handling violations.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>What They&#8217;re Doing<\/strong><\/th><th><strong>How to Counter<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>The Speed Trap \u2013 <\/strong>Pushing a quick offer in week one, before your injuries have fully shown up.<\/td><td>Decline in writing. Notify the insurer in writing that you will respond once your medical condition has been fully evaluated.<\/td><\/tr><tr><td><strong>The Recorded Statement Request \u2013 <\/strong>Locking you into early facts to mine for inconsistencies later. No California law requires one for the at-fault driver&#8217;s insurer.<\/td><td>Decline. Consider consulting with an attorney before providing any statement.<\/td><\/tr><tr><td><strong>The Blanket Medical Authorization \u2013 <\/strong>A HIPAA release that opens up your full medical history, not just the accident-related records.<\/td><td>Don&#8217;t sign it. You have the right to provide only records relevant to the injuries sustained in the accident.<\/td><\/tr><tr><td><strong>Disputing Medical Necessity \u2013 <\/strong>Labeling treatment &#8220;excessive&#8221; or &#8220;premature&#8221; without a medical opinion behind it.<\/td><td>Request the denial in writing with specific reasons cited. You have the right to challenge any denial of medical necessity with supporting documentation from your treating physician.<\/td><\/tr><tr><td><strong>Social Media Surveillance \u2013 <\/strong>Watching your public accounts for anything they can argue against you.<\/td><td>Avoid posting on social media during the claims process. Review and update your privacy settings on all platforms.<\/td><\/tr><\/tbody><\/table><\/figure>\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\">What Insurance Adjusters Are Actually Trying to Do<\/h2>\n\n\n\n<p>The adjuster who calls you the day after the accident is friendly, sympathetic, and fast. That&#8217;s the job. Their internal metrics measure two things: how quickly the file closes and how little it costs to close it. National claims handling redesigned itself in the 1990s around exactly that. The adjuster reaching out is working from a playbook designed to settle fast and cheap before the full extent of an injury is known. The early offer almost never reflects what the case is worth. It reflects what the file looks like before the evidence comes in.<\/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\">Five Common Adjuster Tactics and How to Counter Each One<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. The Speed Trap<\/h3>\n\n\n\n<p>The earliest offer is the cheapest one. Adjusters know that soft-tissue injuries can take weeks to manifest, traumatic brain injury symptoms surface gradually, and surgical recommendations often don&#8217;t come until imaging is reviewed. They want the file closed before any of that happens.<\/p>\n\n\n\n<p><strong>Counter:<\/strong> Decline in writing. Something close to: <em>&#8220;I&#8217;m still receiving treatment and not yet in a position to evaluate the full scope of my damages. I&#8217;ll respond once my condition has stabilized.&#8221;<\/em> That sentence costs you nothing. The urgency is theirs, not yours.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. The Recorded Statement Request<\/h3>\n\n\n\n<p>There is no California statute, regulation, or case law requiring a third-party claimant to give a recorded statement to the at-fault driver&#8217;s insurer. The &#8220;cooperation clause&#8221; sometimes cited at you applies to your own policy with your own insurer. It has no force when the adjuster works for the other side. Recorded statements get used to lock you into early facts before adrenaline wears off, and to surface inconsistencies later that get framed as credibility problems.<\/p>\n\n\n\n<p><strong>Counter:<\/strong> <em>&#8220;I&#8217;m willing to provide written information through my attorney. I won&#8217;t be giving a recorded statement.&#8221;<\/em> If you don&#8217;t have an attorney yet, replace that phrase with &#8220;in writing.&#8221;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. The Blanket Medical Authorization<\/h3>\n\n\n\n<p>The HIPAA release the adjuster sends in week one is rarely limited to the accident. It usually authorizes every provider, every condition, every record from the past several years. That&#8217;s how a claim about whiplash becomes an argument about a back tweak you mentioned to a doctor in 2019. California&#8217;s<a href=\"https:\/\/codes.findlaw.com\/ca\/civil-code\/civ-sect-56-11\/\"> Civil Code \u00a756.11<\/a> requires medical authorizations to state specific uses and limitations on how the information will be used. Most insurer-sent forms don&#8217;t.<\/p>\n\n\n\n<p><strong>Counter:<\/strong> Don&#8217;t sign it. Request your own records and send only those related to the injury at issue. The<a href=\"https:\/\/dklaw.com\/the-fine-print\/the-eggshell-plaintiff-rule-explained\/\"> eggshell plaintiff rule<\/a> still protects you if the accident worsened a prior condition, but that argument is yours to make on your terms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Disputing Medical Necessity<\/h3>\n\n\n\n<p>Once your records are in, the adjuster turns them against you. The chiropractic visits become &#8220;excessive.&#8221; The MRI is suddenly &#8220;premature.&#8221; Physical therapy &#8220;exceeded standard duration.&#8221; None of those arguments require an actual medical opinion. Adjusters write them anyway.<\/p>\n\n\n\n<p><strong>Counter:<\/strong> Ask for the denial in writing. Under California claims regulations, an insurer that disputes liability or damages on a third-party claim must do so in writing, with the specific bases for the dispute. A vague verbal dispute can be characterized in any way later. A written one cannot.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Social Media Surveillance<\/h3>\n\n\n\n<p>Public posts get pulled the day the claim is filed. A wedding photo, a vacation check-in, a workout video. Anything visible can be argued out of context. Defense attorneys have routinely subpoenaed even private accounts in California civil litigation, and California courts have allowed broad discovery despite the state&#8217;s constitutional privacy protections.<\/p>\n\n\n\n<p><strong>Counter:<\/strong> Stop posting from the day of the accident through the resolution of the claim. Don&#8217;t delete old content. Deletion creates spoliation issues that can be worse than the posts. Just go quiet.<\/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\">How to Build a Negotiation Position They Can&#8217;t Ignore<\/h2>\n\n\n\n<p>Two moves matter most before anyone trades numbers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Calculate your full damages before responding<\/h3>\n\n\n\n<p>Hard damages are the floor: medical bills, lost wages, projected future medical costs, and property damage. Pain and suffering layers on top, typically calculated using a multiplier of 1.5 to 5, depending on injury severity. The adjuster&#8217;s first number is almost always built on the hard damages alone. Sometimes, only the bills already incurred. That isn&#8217;t a settlement valuation. It&#8217;s a starting position designed to look reasonable until you do the math.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Send a written demand letter and force itemized responses<\/h3>\n\n\n\n<p>A<a href=\"https:\/\/dklaw.com\/the-fine-print\/demand-letter-response-insurance-settlement\/\"> demand letter<\/a> forces the insurer to respond in writing and creates the paper trail California regulations require. Once they respond, ask them to itemize. What part of the offer is for medicals? Lost wages? Non-economic damages? Refusal to itemize becomes part of the record. Vague offers are how lowballs survive scrutiny. Itemized ones can&#8217;t hide.<\/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\">If They&#8217;re Stalling or Acting in Bad Faith, Know California Law<\/h2>\n\n\n\n<p>California regulates how insurers handle claims, and the timelines aren&#8217;t suggestions. An insurer must<a href=\"https:\/\/www.law.cornell.edu\/regulations\/california\/10-CCR-2695.5\"> acknowledge a claim within 15 calendar days<\/a> and accept or deny within 40 days of receiving proof of claim. Extensions are allowed, but only with written notice explaining why.<\/p>\n\n\n\n<p>The single most useful piece of regulatory language to keep in your file: California regulations state that<a href=\"https:\/\/www.law.cornell.edu\/regulations\/california\/10-CCR-2695.7\"> &#8220;no insurer shall attempt to settle a claim by making a settlement offer that is unreasonably low.&#8221;<\/a> Quote that line directly when responding to a lowball in writing.<\/p>\n\n\n\n<p>If those rules are violated, you can<a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/101-help\/\"> file a complaint with the California Department of Insurance<\/a>. The 16 unfair claims practices defined in<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=INS&amp;sectionNum=790.03.\"> California Insurance Code \u00a7790.03(h)<\/a> form the backbone of those complaints. The CDI process is regulatory rather than litigation, but the threat of regulatory exposure is something insurers actually take seriously.<\/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\">FAQ<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">What should you not say to an insurance adjuster?<\/h3>\n\n\n\n<p>Don&#8217;t speculate about fault. Don&#8217;t estimate vehicle speeds. Don&#8217;t describe your injuries before treatment is complete. &#8220;I don&#8217;t know&#8221; is a complete answer. So is &#8220;I&#8217;d prefer to respond in writing.&#8221;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How do you beat an insurance adjuster?<\/h3>\n\n\n\n<p>You don&#8217;t. You make their script not work. Refuse the recorded statement, refuse the blanket authorization, document everything in writing, and never accept the first offer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">When does it make sense to hire a personal injury attorney in California?<\/h3>\n\n\n\n<p>The Insurance Research Council, which is funded by the insurance industry itself, has consistently found that<a href=\"https:\/\/insurance-research.org\/insurance-consumer-insights\/public-opinions-attorney-involvement-auto-insurance-claims\"> represented claimants receive substantially higher settlements<\/a> than unrepresented ones, even after attorney fees. Disputed liability, ongoing treatment, or an offer that doesn&#8217;t cover your bills is the threshold worth taking seriously.<\/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\">Talk to Someone Before You Sign<\/h2>\n\n\n\n<p>Adjusters at every major California insurer work from the same playbook. Knowing the moves doesn&#8217;t mean you should run a serious case alone. It means you have a chance to push back without giving away ground you can&#8217;t recover. If your claim involves significant injuries, disputed liability, or an offer that doesn&#8217;t cover your medical bills, talking to a California personal injury attorney before signing tends to change the math. <\/p>\n\n\n\n<p>At DK Law, we offer a <a href=\"https:\/\/dklaw.com\/contact\/\">free consultation<\/a> to review your legal options. No pressure, just answers.<\/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 class=\"dklaw-author__block-about\">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 class=\"dklaw-section dklaw-section__logos align wp-block-dklaw-logos\"><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\"><div class=\"dklaw-logos align wp-block-dklaw-logos-repeater\"><div class=\"dklaw-logos__logo\"><img src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/05\/form-award-1.svg\" loading=\"lazy\" decoding=\"async\" alt=\"NAOPIA Badge\"><\/div><div class=\"dklaw-logos__logo\"><img src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/05\/form-award-2.svg\" loading=\"lazy\" decoding=\"async\" alt=\"Nation's Top One Percent Badge\"><\/div><div class=\"dklaw-logos__logo\"><img src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/05\/form-award-3.svg\" loading=\"lazy\" decoding=\"async\" alt=\"Multi Million Dollar Advocates Forum Badge\"><\/div><div class=\"dklaw-logos__logo\"><img src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/05\/form-award-4.svg\" loading=\"lazy\" decoding=\"async\" alt=\"Lawyers of Distinction Badge\"><\/div><div class=\"dklaw-logos__logo\"><img src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/05\/form-award-5.svg\" loading=\"lazy\" decoding=\"async\" alt=\"The National Trial Lawyers Top 100 Badge\"><\/div><\/div><\/div>\n<\/div>\n\n<\/div><\/div>\n\n\n<p class=\"dklaw-cta-form__subheading has-primary-white-color has-text-color\">From Your Case to Compensation, we take your case <em>all the way.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><div class=\"dklaw-form align wp-block-dklaw-form\"><div class=\"acf-innerblocks-container\">\n\n<h4 class=\"wp-block-heading dklaw-form__heading\">Schedule a Free Consultation<\/h4>\n\n\n\n<p class=\"dklaw-form__subheading has-primary-green-color has-text-color\">Get Expert Legal Advice at <strong>Zero Cost.<\/strong><\/p>\n\n<\/div>\t\t\n\t\t\t\n\t<form id=\"dklaw-form\" class=\"dklaw-form__form\" role=\"form\" aria-label=\"Free Case Review Form\" data-redirect=\"\/ty\/thank-you\/\">\n\t\t<div class=\"dklaw-form__form-grid\">\n\t\t\t<div class=\"dklaw-form__form-field\">\n\t\t\t\t<label for=\"firstName\">First Name<\/label>\t\t\t\t<input type=\"text\" id=\"firstName\" name=\"firstname\" placeholder=\"First Name\" value=\"\" aria-required=\"true\" required>\n\t\t\t<\/div>\n\t\t\t<div class=\"dklaw-form__form-field\">\n\t\t\t\t<label for=\"lastName\">Last Name<\/label>\t\t\t\t<input type=\"text\" id=\"lastName\" name=\"lastname\" placeholder=\"Last Name\" value=\"\" aria-required=\"true\" required>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t<div class=\"dklaw-form__form-field\">\n\t\t\t<label for=\"email\">Email<\/label>\t\t\t<input type=\"email\" id=\"email\" name=\"email\" placeholder=\"Email Address\" value=\"\" aria-required=\"true\" required>\n\t\t<\/div>\n\t\t\n\t\t<div class=\"dklaw-form__form-field\">\n\t\t\t<label for=\"phone\">Phone Number<\/label>\t\t\t<input type=\"tel\" id=\"phone\" name=\"phone\" placeholder=\"Phone Number\" value=\"\" aria-required=\"true\" required minlength=\"14\">\n\t\t<\/div>\n\t\t\n\t\t<div class=\"dklaw-form__form-field dklaw-form__form-checkbox\">\n\t\t\t<input type=\"checkbox\" id=\"terms\" value=\"\" name=\"allow_texting\" aria-describedby=\"terms-note\" checked>\n\t\t\t\n\t\t\t<label for=\"terms\" id=\"terms-note\">By checking this box, you expressly consent to receive calls, text messages, and emails from DK Law regarding your inquiry, including communications sent using automated technology. You authorize contact during or outside traditional business hours and even if your phone number appears on any federal or state Do Not Call registry. Your consent is not required as a condition of obtaining legal services <a href=\"\/terms-conditions\/\" style=\"text-decoration:none\" target=\"_blank\">View our Terms &#038; Conditions<\/a><\/label>\t\t\t\n\t\t<\/div>\n\t\t<div id=\"success__message\"><\/div>\n\t\t<div id=\"success__error\"><\/div>\n\t\t<div class=\"dklaw-form__form-field text-center\">\n\t\t\t<button type=\"submit\" class=\"wp-block-button__link wp-element-button has-primary-yellow-background-color\" aria-label=\"Get Started\">Get Started<\/button>\t\t<\/div>\n\t\t<div class=\"dklaw-form__privacy\">\n\t\t\t<svg width=\"15\" height=\"16\" viewBox=\"0 0 15 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M13.8389 2.81263C11.816 2.66105 9.9218 1.86947 8.48736 0.555789L8.11956 0.202105C7.97244 0.0673681 7.77014 0 7.56788 0C7.36559 0 7.16329 0.0673681 7.01617 0.202105L6.64837 0.555789C5.21393 1.86947 3.31973 2.66105 1.29681 2.81263C0.892223 2.84631 0.57959 3.14947 0.57959 3.52V5.55789C0.57959 9.8358 3.11744 13.8105 7.18168 15.9158C7.29203 15.9832 7.43915 16 7.56788 16C7.69658 16 7.82531 15.9663 7.95405 15.9158C12.0183 13.8105 14.5561 9.8358 14.5561 5.55789V3.52C14.5561 3.14947 14.2435 2.84631 13.8389 2.81263ZM11.3378 6.33262L7.29203 10.5095C7.16329 10.6442 6.94261 10.6442 6.81388 10.5095L4.20247 8.00001C4.07373 7.88211 4.07373 7.69685 4.20247 7.57896L4.84612 6.98948C4.97485 6.87159 5.15876 6.87159 5.28749 6.97264L6.74032 8.13475C6.86905 8.2358 7.07134 8.2358 7.20007 8.1179L10.1609 5.35578C10.2896 5.23789 10.4919 5.23789 10.6206 5.33894L11.2827 5.89473C11.4482 6.02947 11.4482 6.21473 11.3378 6.33262Z\" fill=\"#131314\"\/>\n\t\t\t<\/svg>\n\t\t\t<a href=\"\/privacy-policy\/\"><span>Your Privacy, Our Priority<\/span><\/a>\n\t\t\t<input type=\"hidden\" id=\"ga4_client_id\" name=\"ga4_client_id\" value=\"\">\n\t\t<\/div>\t\t\n\t<\/form>\n\n\t<\/div><\/div>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"dklaw-section__small-padding-bottom dklaw-section dklaw-cta dklaw-cta-promise alignfull wp-block-dklaw-cta-promise has-background has-primary-white-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns are-vertically-aligned-center 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 is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:75%\">\n<h3 class=\"wp-block-heading has-primary-white-color has-text-color\">At DK Law we&#8217;re with you &#8211; <em>all the way.<\/em><\/h3>\n\n\n\n<p class=\"dklaw-cta-promise__underline has-primary-white-color has-text-color\">Get a Free Consultation with our experts today!<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-buttons is-content-justification-flex-end is-layout-flex wp-block-buttons-is-layout-flex\">\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\n\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-primary-white-background-color has-background wp-element-button\" href=\"#form\">Free Case Consultation<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Insurance adjusters follow a playbook designed to minimize your claim. Here are 5 tactics they use and exactly how to counter them.<\/p>","protected":false},"author":10,"featured_media":110072,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"_seopress_robots_primary_cat":"","_seopress_titles_title":"How to Counter Insurance Tactics in Injury Settlement Negotiations","_seopress_titles_desc":"Adjusters follow a playbook on every California injury claim. Get the 5 most common tactics, the exact counter-phrase for each, and the rules that back you up.","_seopress_robots_index":"","footnotes":""},"categories":[1],"tags":[],"practice_area":[123],"topics":[128,114],"class_list":["post-110071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","practice_area-personal-injury","topics-insurance-and-claims","topics-know-your-rights"],"acf":[],"_links":{"self":[{"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/posts\/110071","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/comments?post=110071"}],"version-history":[{"count":0,"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/posts\/110071\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/media\/110072"}],"wp:attachment":[{"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/media?parent=110071"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/categories?post=110071"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/tags?post=110071"},{"taxonomy":"practice_area","embeddable":true,"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/practice_area?post=110071"},{"taxonomy":"topics","embeddable":true,"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/topics?post=110071"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}