Adjusters Auto Insurance Companies

Getting a fair offer from the insurance adjuster on your own

San Diego personal injury and car accident lawyer discusses obtaining a fair offer from the insurance adjuster

California freeway motor vehicles

I probably don’t even have to tell you that getting a reasonable offer from the insurance companies on your own is tough. The insurance companies aren’t in the business of paying out as much as they can.

On the contrary, they’re out to pay as little as they can. If they can get you to accept $1,000 when you might win $10,000 or more from a jury, that’s a huge win for them. They have endless amounts of data from many trials and settlements. They have a good idea what you would win in a jury trial (although there are always surprises). They also know that if they can get you to accept a lower amount in settlement, they’ll have great numbers to tell their supervisors and managers.

So if you’re in a car accident what can you do? You can be extra cautious when dealing with any insurance adjusters. That includes your own adjusters. They also have a job to do. And that job may include opposing you, if you end up filing an uninsured motorist claim! So they will look to add “arrows to their quiver.” This means if they come across any information that can be used against you, they will file it away and pull it out if necessary.

So be extra careful when any insurance adjuster contacts you. Don’t agree to give out a statement to the other driver. You may have to give your own insurance company a statement, depending on the terms of your policy. But you don’t have to give it right away. You can ask if a written statement or questions can be submitted instead. Finally, yes you’re on law firm website, so you are doing the right thing by seeking legal information and/or advice.

When can I handle this without a car accident lawyer?

On smaller cases, where total case value is $5,000-6,000, hiring a lawyer might not add value to the case. We are talking about cases where the property damage isn’t substantial, and there was minimal care, such as chiropractic and/or physical therapy only.

In that situation maybe you don’t need to hire a lawyer. If the adjuster offers you enough to satisfy you, then you don’t have to pay the lawyer a significant portion of your settlement.

But that situation is rare, and more often than not, they’re trying to reduce the settlement they’ll have to pay out.

Do I answer then the adjuster calls about my car accident?

Slow down. Don’t tell them much. Speak to a lawyer about your case. Most lawyers offer a free consultation so it doesn’t hurt to give one a call.


Swimming With Sharks: Dealing with Insurance Companies, Adjusters and Defense Attorneys

I battle insurance companies, adjusters, and defense attorneys on a daily basis. I battle them to fight for justice for my clients, injured victims in accidents caused by someone else.

After spending years battling insurance companies and their hired defenders, I learned that they have a playbook that is remarkably similar across all insurance companies, and the many different adjusters and attorneys. The playbook can be boiled down to 3 words:

Delay. Deny. Defend.

In order to maximize profits, insurance companies will gladly take your insurance premiums every single month. But when it comes time to file a claim they will

  1. Delay processing of your claim. Delay payment of your claim.
  2. Deny your claim.
  3. Defend against your lawsuit.

Most adjusters and defense attorneys are not bad people. Some are, but most are not. But they have a directive they must carry out. So it leads them to do some very unsavory things. Like delay, deny, and defend.

So I came across an article written by Voltaire Cousteau, an author who died in Paris, back in 1812. He wrote, “HOW TO SWIM WITH SHARKS: A PRIMER” It was written with sponge divers in mind. Sponge diving is the oldest form of known underwater diving (in order to retrieve sponges).

The author begins his forward by writing,

Actually, nobody wants to swim with sharks. It is not an acknowledged sport and it is neither enjoyable nor exhilarating

I will say, while tussling with insurance companies is neither enjoyable or exhilarating, fighting for and obtaining justice for my clients is quite enjoyable. It’s why I get up in the morning and drive to work. It’s all we ever do here at Severe Accidents.

The author continues to say:

Finally, swimming with sharks is like any other skill: It cannot be learned from books alone; the novice must practice in order to develop the skill. The following rules simply set forth the fundamental principles which, if followed will make it possible to survive while becoming expert through practice.

I will agree with the author here. I have summarized his instructions below, but reading these instructions doesn’t give a novice competence, or turn them into an expert. But it’s a quick, fun read, so here we go.

How to Swim With Insurance Companies, Adjusters, and Defense Attorneys

1. Assume unidentified fish are sharks. Not all sharks look like sharks, and some fish which are not sharks sometimes act like sharks.

This is sage advice. The insurance adjusters are going to be really nice, and courteous to you. They are hiding the fact that they are a shark. They’ll tell you that they are there for you, that they are going to take care of you, and your medical bills, and that you guys can solve this together, without needing to get an attorney involved. If that were true, then the countless personal injury attorneys have no reason to exist.

It’s not true. Their own studies have shown the faster they can get a claim settled, the less they will pay. And if they can settle a claim without an attorney, their windfall is even bigger.

2. Do not bleed. It is a cardinal principle that if you are injured either by accident or by intent you must not bleed. Experience shows that bleeding prompts an even more aggressive attack.

Well, it’s kind of hard not to bleed when you are bit. But when it comes to your car accident claim, do not bleed. Don’t show any weakness in your case or a willingness to settle quickly. If they find out you do not have an appetite for a long litigation process, then any offer by them will be lower.

From day 1, they have to believe you are willing to take your case all the way through trial. Doing anything less will let them know they can lower their settlement offer to you.

3. Counter any aggression promptly. Sharks rarely attack a swimmer without warning. Usually there is some tentative exploratory action. The appropriate counter move is a sharp blow to the nose.

When I was just starting out in personal injury and car accident law, I wasn’t so aggressive, for fear of overstepping in an industry new to me. Those days are long gone. Now I am as aggressive as I can be, without violating any rules or ethics guidelines. I don’t let them have whatever information they ask for.

I control the flow of information from our side. They are on a need to know basis. Sure they complain, but that’s all it is, a complaint. I know the justice system is waiting for me no matter what tricks or games the insurance companies want to play.

4. Get out if someone else is bleeding. If another swimmer has been injured and is bleeding get out of the water promptly.

Now, this one doesn’t apply directly to personal injury cases except perhaps when you have a weakness in your case. Not every case is perfect. Most have warts. Some cases have more warts than others. And those warts are bigger. But if you have a weakness in your case, and the other side finds it, move on. Acknowledge the wart, but focus on the strengths of your case and move on from the weakness.

That’ll tell the insurance company their “coup de grace” isn’t as strong as they thought it would be.

5. Use anticipatory retaliation.

Attack before being attacked. This can only come with experience. You must anticipate their moves and take counter measures before they’re needed.

6. Disorganized and organized attacks.

Everyone on the other side is well trained and acting in concert to delay, deny, or defend your claim. Most ordinary people are not experienced nor have the requisite training to battle these adjusters.

Help with your San Diego, CA car accident or personal injury claim.

Don’t wait to contact a skilled car accident attorney.It is important you take the right steps from the very beginning of your case.

Get it right from the beginning by contacting Jonathan M. Feigenbaum, Esq., a Boston Massachusetts ERISA attorney, at (617) 681-7815 or toll free (866) 816-3171.


The insurance company adjuster is calling you, and they want to “talk.” Do you answer?

The insurance company adjuster is calling you, and they want to “talk.” Do you answer?


Ok, you can answer the call. But there is no need to tell the insurance company anything. The insurance company is calling you for one thing. To figure out how they are going to minimize any payments to you.

That goes for the other driver’s insurance company, as well as your own insurance company. Yes, your own insurance company knows there is often a chance they will have to pay you for your injuries as well. If you carry Uninsured Motorist Coverage, your company may be on the hook to compensate you for your medical bills and pain and suffering.

So when your own adjuster calls you, go ahead and answer. But be very careful what you say. Eventually you may be required to give a statement under the terms of your policy. But that statement can be given later, and there is no reason to tell your insurance company everything right away. It is okay to take your time and think things through.

As for the adjuster for the other driver’s insurance company, there is no rule or requirement that you need to speak with them. In fact, you should not speak to the adjuster at all. If you are in a minor accident and don’t think you need an attorney, then go ahead and try to settle your case by yourself, but there still is no need to speak to the adjuster. You can tell them, you will be corresponding strictly by letter. Just send in your demand package when you have completed your medical treatment.

It does not pay to speak to the other insurance company.

Auto Insurance Companies Mercury

Are you fighting Mercury Insurance in your car accident case?

Were you involved in an accident where the other driver has Mercury Insurance? Be prepared for a big fight.

In a bad faith action against Mercury, it was revealed that first line adjusters at Mercury have only $2,500 authority.

Their supervisors had $10,000 authority.

The only person who had authority at $50,000 or above was the regional manager who supervises all of Southern California, Arizona and Florida.

What does authority mean in a car accident case?

When an adjuster gets your file, they evaluate the case, and set a “reserve.”  A reserve is what they think the case is worth, and will not offer any more than that, without getting permission from someone more senior than them.

But, there is a cap on what they can set their reserve at. This is the “authority.” If they evaluate a case and think the case is worth $7,500.00, but their authority is only $2,500.00, they have to run the case by their supervisor to set the reserve at $7,500.00.

Mercury has a reputation for lowballing cases, so you can surmise that adjusters don’t want to run to their supervisors 10 times a day asking for increases in authority to set a higher reserve.

In my day to day experience handling many cases against Mercury, they are consistently the lowest in initial offers to my clients. They will not give you a fair evaluation, and a the threat of lawsuit must be acted upon to demand a fair settlement for your case.