6 Red Flags the Insurance Company is Undervaluing Your Injury Claim
After a car wreck, you’re likely overwhelmed — dealing with pain, doctor visits, missed work, and a suddenly complex insurance process. And while insurance companies may act helpful, their job is to protect their bottom line — not your best interest.
If you’ve filed a personal injury claim, watch for these red flags that the insurance company is undervaluing your case:
1. Quick Settlement Offer
If the insurance company rushes to offer you a check — sometimes within days of your crash — it’s not because they’re being generous. It’s a tactic to settle the claim before you understand the full extent of your injuries or future medical needs.
Tip: Never accept a settlement without speaking to a personal injury attorney.
2. Downplaying Your Injuries
They may tell you your injuries are “minor,” or that your symptoms don’t line up with the crash. They might even claim your pain is from a pre-existing condition. If your doctor says otherwise, trust your medical provider — not the insurance adjuster.
3. Delayed or Avoidant Communication
If they stop returning your calls, take weeks to reply, or repeatedly say your claim is “under review,” it’s often an intentional delay tactic. They hope you’ll get frustrated, worn down, and accept less than your claim is worth.
4. Ignoring Non-Economic Damages
Medical bills aren’t the only thing you’re entitled to. If they’re ignoring pain and suffering, emotional trauma, or loss of quality of life, they’re not offering you a fair settlement. Kentucky law allows compensation for both economic and non-economic damages.
5. Using Your Words Against You
Be careful what you say in a recorded statement — and what you post online. Insurance companies will comb through your words and social media to find anything they can twist to minimize your injuries or shift the blame.
6. Blaming You for the Wreck
Even when fault is clear, adjusters may claim you were partially (or fully) at fault to reduce what they owe you. Don’t accept their version of events without legal guidance — especially if you have police reports or witnesses backing you up.
If Something Feels Off, It Probably Is
The truth is, you deserve better than what the insurance company is offering — and you don’t have to fight alone. At Queener Law, we see these tactics every day, and we know how to fight back.
Let us handle the insurance company so you can focus on healing.
Free Consultation. No fees unless we win.
Contact Queener Law today.