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  • Writer's pictureFazli & Associates, P.C.

Top 3 Dirty Tactics Employed by Insurance Companies

Updated: May 15, 2023

Unveiling the Tactics: How Insurance Companies Manipulate Personal Injury Claimants


In the realm of personal injury claims, insurance companies often play a significant role in the compensation process. While they are expected to act in good faith, some insurance companies resort to deceptive tactics to undermine the claims of innocent victims. In this blog, we will shed light on three common tactics used by insurance companies to mislead personal injury claimants. From false sincerity to verbal acceptance without written acknowledgment, these strategies are designed to derail your case and minimize their financial liability. So, let's dive in and expose the truth behind their deceptive practices!

1. False Sincerity: The Art of Deception

Insurance companies are masters of creating an illusion of empathy and understanding. They may adopt a friendly and cooperative demeanor when communicating with personal injury claimants. Their representatives may express sympathy for your situation, promising to do everything possible to help you receive fair compensation. However, behind this façade of sincerity lies a hidden agenda.

Insurance companies are driven by their desire to minimize financial responsibility. While they may verbally accept liability, they deliberately avoid putting it in writing. They employ tactics to prolong the process and discourage or give you the mental impression from refraining seeking legal representation. With lack of direction in the foundation of your case, they aim to weaken your case and leave you unsupported in the end. Don't fall into their traps—be persistent and seek the assistance of a lawyer to protect your rights.

2. Derailing Tactics: Delaying, Denying, and Defending

Insurance companies often employ a range of tactics to delay the settlement process, deny claims, and mount a strong defense against personal injury cases. These strategies are intended to frustrate claimants, wearing them down and making them more likely to settle for a lower amount or give up altogether.

a. Delays: Time is of the essence in personal injury claims. Insurance companies may employ various delay tactics, such as prolonged investigations, repetitive requests for documentation, or scheduling unnecessary appointments. By dragging out the process, they aim to put pressure on claimants to settle quickly, often for an inadequate amount.

b. Denials: Insurance companies may initially deny liability altogether, arguing that you were at fault or that the incident does not meet the necessary criteria for a successful claim. This denial may be accompanied by complex legal jargon and convoluted explanations, discouraging claimants from pursuing their case further.

c. Defense Strategies: When a personal injury claimant refuses to back down, insurance companies resort to vigorous defense strategies. They may hire experienced legal teams to challenge the validity of your claim, question the extent of your injuries, or try to shift the blame onto you. This aggressive stance is aimed at reducing their financial responsibility and making it harder for you to prove your case.

3. Verbal Acceptance, but No Written Confirmation: The Missing Link

One particularly insidious tactic used by insurance companies is to verbally accept liability without providing any written confirmation. They might acknowledge their insured party's fault for the accident or injuries during a conversation, leading claimants to believe that the case is settled. However, when it comes to actually documenting this acceptance, they suddenly become evasive.

By avoiding written acceptance, insurance companies create a strategic loophole. Verbal statements can be easily denied or misinterpreted later in the legal process, providing them with the opportunity to backtrack and disclaim responsibility. This tactic aims to confuse claimants and undermine their ability to prove liability during negotiations or in court.


Personal injury claimants must remain vigilant and aware of the tactics employed by insurance companies to protect their interests at the claimants' expense. Recognizing false sincerity, understanding the derailing tactics of delays, denials, and defense, and being cautious of verbal acceptance without written confirmation are crucial steps in safeguarding your rights.

When dealing with an insurance company, it's vital to speak to a lawyer, not just the intake staff or some assistant. An attorney brings expertise, protection, and a fighting spirit to your personal injury claim. They know the deceptive tactics used by insurance companies and will ensure all important communications are documented in writing. Don't settle for less—consult a lawyer to secure the fair compensation you deserve!

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