After a car accident in Florida, you expect the insurance company to cover your losses. You’ve paid your premiums. You’ve followed the rules. But too often, injured people learn the hard way that insurance companies don’t play fair. Their top priority is saving money—not paying you what your claim is actually worth.
At Weber Injury Law, we’ve seen these tactics firsthand in cases throughout New Port Richey, Trinity, and Land O’ Lakes. Here’s how insurers often try to reduce or deny legitimate car accident claims—and what you can do about it.
1. They Offer a Quick, Low Settlement
One of the most common strategies is offering a fast settlement that’s far below what your case is really worth. It might seem like a good deal when you’re stressed about medical bills or missed work—but it’s a trap.
These quick offers are designed to lock you into a low payout before you understand the full extent of your injuries. Once you accept, you typically can’t ask for more—even if your condition worsens.
2. They Use Your Words Against You
Soon after the accident, the insurance adjuster may call you and act like they’re just trying to help. But if you give a recorded statement, they’ll carefully comb through your words looking for anything to use against you.
Simple phrases like “I’m fine” or “I didn’t see them coming” can be twisted to suggest you weren’t injured or were at fault. It’s always best to speak with an attorney before discussing your accident with the other driver’s insurance company.
3. They Blame You for the Crash
Florida follows a comparative fault system, which means your compensation can be reduced if you’re found partially at fault for the crash. Insurers know this—and will often try to shift the blame to you, even if it’s not fair or accurate.
For example, they may say you weren’t wearing a seatbelt, were distracted, or failed to brake in time. Even if another driver clearly caused the crash, these arguments can reduce your payout if you’re not prepared to push back.
4. They Downplay Your Injuries
Another common tactic is to question the severity of your injuries. The insurance company might claim your injuries are pre-existing, not serious, or not caused by the accident.
They may also scrutinize your medical records and treatment history, looking for gaps in care or anything they can use to argue that you’re exaggerating your pain. That’s why it’s so important to get medical attention right away and stick to your treatment plan.
5. They Delay the Process
Insurance companies know that injured people are often struggling financially. By dragging out your claim with endless requests for paperwork or repeated “reviews,” they hope to wear you down and pressure you into accepting less just to get it over with.
Don’t give in. These delays are often intentional—and the right legal support can hold them accountable and keep your case moving forward.
6. They Use Surveillance and Social Media
In some cases, insurers will even hire private investigators to follow you or monitor your social media posts. If you post photos of yourself smiling at a family event or doing everyday activities, they may argue that you aren’t as injured as you claim.
It’s unfair and intrusive, but it happens—especially in cases involving serious injuries or large potential payouts. Be careful what you share publicly after an accident, and talk to your lawyer about what to avoid.
How an Attorney Can Help You Fight Back
You don’t have to deal with these tactics alone. At Weber Injury Law, we know how insurance companies operate—and we know how to push back. We work directly with adjusters, challenge false blame, present strong medical evidence, and fight for every dollar you’re owed.
If you’ve been injured in a car accident in New Port Richey, Trinity, or Land O’ Lakes, we’re ready to help. You deserve more than a lowball offer or endless delays. You deserve justice.
Call Weber Injury Law Before You Speak to the Insurance Company
Don’t risk your future by facing the insurance company alone. We’re here to protect your rights and fight for the full compensation you need after a car accident.
Call (727) 297-2032 or contact us online for a free consultation. We’ll answer your questions, review your case, and take the stress off your shoulders—so you can focus on healing.