How Insurance Companies Trick Car Accident Victims in Ohio and How to Fight Back

After a car accident, you expect the insurance company to help you recover the compensation you deserve. Unfortunately, insurance companies are not on your side—they are for-profit businesses that prioritize their bottom line over your well-being.

At SELPH LAW, we’ve seen countless Ohio car accident victims fall into insurance company traps, resulting in lowball settlements or outright denials.

If you’ve been in an accident, don’t let the insurance company take advantage of you. Call (614)-453-0971 for a FREE case review and let us protect your rights.

7 Sneaky Insurance Company Tricks (and How to Beat Them)

1. Offering a Quick, Low Settlement Before You Know Your Injuries
One of the biggest mistakes accident victims make is accepting the first settlement offer. Insurance companies know you’re under financial pressure, so they offer a lowball settlement hoping you’ll take it before realizing the full extent of your injuries.

✅ How to Fight Back: Never accept an offer without consulting a lawyer. A car accident settlement should cover all medical expenses, lost wages, and pain and suffering. Let SELPH LAW negotiate on your behalf for maximum compensation.

2. Asking for a Recorded Statement (and Using It Against You)
The insurance adjuster may sound friendly and ask you to give a recorded statement about the accident. But beware—this is a trap.

Even a simple statement like “I feel okay” can be twisted to downplay your injuries or assign blame to you.

✅ How to Fight Back: Never give a recorded statement without an attorney present. Insurance companies can use your words against you to reduce your settlement.

3. Delaying Your Claim to Wear You Down
Insurance companies know that the longer they delay your claim, the more desperate you become. They may take weeks (or months) to process paperwork, demand unnecessary documents, or ignore your calls altogether.

✅ How to Fight Back: Don’t wait. Contact a car accident attorney immediately to handle all communication with the insurance company. A lawyer can pressure them to process your claim faster or file a lawsuit if necessary.

4. Blaming You for the Accident (Even When You’re Not at Fault)
A common insurance tactic is to claim that you were partially or fully responsible for the accident. This allows them to reduce your payout or deny your claim altogether.

✅ How to Fight Back: Ohio follows a comparative negligence rule, meaning even if you were partially at fault, you can still recover damages. An attorney can challenge the insurance company’s unfair blame tactics and prove the true cause of the accident.

5. Using Social Media Against You
Insurance companies monitor your social media for anything they can use against your claim. Even an innocent post like “Feeling better today!” could be used as evidence to argue that your injuries aren’t as serious as you claimed.

✅ How to Fight Back: Stay off social media until your case is settled. Anything you post—even pictures or check-ins—can be taken out of context and used against you.

6. Claiming That Your Injuries Were Pre-Existing
If you had any previous injuries, the insurance company might argue that your current pain isn’t from the accident but rather from a pre-existing condition. This tactic is designed to devalue your claim.

✅ How to Fight Back: Your medical records and doctor’s testimony can prove that your injuries were caused or aggravated by the accident. SELPH LAW works with medical experts to build strong evidence against this argument.

7. Saying You Don’t Need a Lawyer (Because They Want to Pay You Less)
Insurance adjusters may tell you that hiring a lawyer will slow down your claim or that you can handle everything on your own. This is a trap.

Studies show that accident victims who hire a personal injury lawyer recover significantly higher settlements than those who go it alone.

✅ How to Fight Back: Hire an experienced car accident attorney to handle negotiations, protect your rights, and ensure you get every dollar you deserve.

How SELPH LAW Fights Insurance Company Tricks
At SELPH LAW, we have helped countless Ohio accident victims recover maximum compensation despite insurance company tactics. Here’s how we fight for you:

✅ We Handle All Insurance Communication – No more dealing with pushy adjusters. We negotiate for the settlement you deserve.

✅ We Gather Strong Evidence – We collect police reports, medical records, and expert testimony to build an airtight case.

✅ We Take Cases to Court if Necessary – If the insurance company won’t pay fairly, we’re prepared to sue and fight for you in court.

✅ We Work on a Contingency Fee Basis – You pay nothing upfront. We only get paid when we win your case.

What You Should Do After a Car Accident in Ohio
If you’ve been in an accident, follow these steps to protect your claim:

1️⃣ Get Medical Treatment Immediately – Delaying treatment hurts both your health and your case.

2️⃣ Document Everything – Take pictures, get witness statements, and file a police report.

3️⃣ Avoid Talking to the Insurance Company – Let your lawyer handle all communications.

4️⃣ Call SELPH LAW for a Free Case Review – Don’t let insurance companies take advantage of you.

Call SELPH LAW Today – Don’t Let Insurance Companies Cheat You!
Insurance companies use tricks to pay you less, but you don’t have to face them alone. SELPH LAW is here to fight for you.

📞 Call (614)-453-0971 now for a FREE case review. We’ll stand up to the insurance company and make sure you get the settlement you deserve.

How Insurance Companies Trick Car Accident Victims in Ohio and How to Fight Back

How Insurance Companies Trick Car Accident Victims in Ohio and How to Fight Back

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