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Home»Health Law»Why Insurance Adjusters Don’t Want You to Call a Lawyer
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Why Insurance Adjusters Don’t Want You to Call a Lawyer

AdminBy AdminSeptember 26, 2025Updated:September 26, 2025No Comments8 Mins Read
Vaughn A. Wamsley
Vaughn A. Wamsley

Insurance adjusters work for insurance companies, not for you. After a car accident, they may act helpful and concerned, but their real job is to minimize payouts and protect profits. That’s exactly why adjusters don’t want you to hire a lawyer, because once you do, their ability to control the process disappears.

At Vaughn A. Wamsley, we fight for Indiana accident victims every day. Our firm has helped thousands of people recover compensation after denials, delays, and lowball offers from insurers. If you’re dealing with an adjuster, don’t face them alone. Call for a free consultation.

The Real Reason Insurance Adjusters Don’t Want You to Hire a Personal Injury Lawyer in Indiana

Insurance companies train adjusters to minimize payouts and protect profits, often leaving accident victims with less than they deserve. Attorneys push back by demanding fair compensation and exposing unfair tactics. Here’s why they discourage you from seeking legal help:

  • Lower Settlements: Adjusters push for quick, lowball offers before victims know the true cost of their injuries.

  • Recorded Statements: Without a lawyer, you may accidentally say something that weakens your case.

  • Policy Confusion: Attorneys understand coverage limits and exclusions adjusters prefer you don’t.

  • Court Pressure: When lawyers are involved, insurers face the risk of trial and higher verdicts.

The truth is, hiring a lawyer protects your rights and strengthens your case. Attorneys know how to challenge adjusters, gather critical evidence, and push for fair compensation. In most cases, legal representation doesn’t just protect you it significantly increases your settlement.

What Tactics Do Adjusters Use to Limit Your Claim?

Insurance adjusters are carefully trained to apply psychological pressure and legal maneuvers that reduce what victims recover after an accident. In Indiana, some of the most common methods target fault, medical records, and settlement timing. Here are the tactics you should watch for:

  1. Blaming You for the Accident
    Indiana follows a comparativefault (IC 34-51-2). If you are found more than 50% responsible, you cannot recover damages. Adjusters often exaggerate your share of fault to lower your compensation.

  2. Downplaying Injuries
    Adjusters may argue your injuries are minor or caused by pre-existing conditions rather than the crash.

  3. Delaying Communication
    Insurers know medical bills pile up fast. By dragging out the process, they pressure victims to accept smaller settlements.

  4. Misrepresenting Coverage
    Adjusters sometimes claim certain damages aren’t covered even when they are hoping you won’t know the difference.

  5. Requesting Unnecessary Documents
    Repeated requests for medical records or paperwork are designed to frustrate victims into giving up.

These tactics are intentional strategies designed to protect the insurer’s bottom line, not your recovery. Without an attorney on your side, you risk falling victim to pressure, delays, and low offers that leave you without the full compensation you deserve.

What Steps Should You Take if an Adjuster Denies or Delays Your Claim?

If your car accident claim has been denied or delayed, don’t panic Indiana law offers several options to challenge the decision. From gathering evidence to filing appeals or lawsuits, quick action is key. Here’s what you should do:

  1. Review the Denial Letter
    The insurer must provide a reason. Common excuses include lack of evidence, late filing, or policy exclusions.

  2. Gather Evidence
    Collect police reports, medical records, photos, witness statements, and proof of lost wages. This strengthens your appeal.

  3. Know Indiana’s Insurance Laws
    Indiana’s Unfair Claims Settlement Practices Act (IC 27-4-1-4.5) prohibits insurers from misrepresenting coverage, delaying payment without cause, or refusing to settle valid claims.

  4. File an Appeal
    You usually have 30–60 days to appeal internally. Address the insurer’s reasons directly with evidence.

  5. Consult an Attorney
    If appeals fail or if the insurer acts in bad faith an Indiana lawyer can file a lawsuit. The statute of limitations gives you two years from the date of the accident (IC 34-11-2-4).

Taking these steps quickly is critical because insurance companies count on delay and confusion to weaken your case. Acting fast preserves evidence, strengthens your appeal, and forces insurers to take you seriously. Ultimately, swift action increases your chances of securing full compensation.

What Is the Role of a Demand Letter?

A demand letter is often the first formal step in challenging an insurer after an accident. It outlines the facts, documents your injuries, lists financial losses, and requests fair compensation. It also signals you’re prepared to pursue further legal action. It

  • Details the facts of the crash.

  • Explains how the accident caused your injuries.

  • Provides documentation: medical bills, wage loss, repair costs.

  • States the total compensation you are demanding.

In Indiana, demand letters are powerful tools because they show insurers you’re prepared to litigate if necessary. At Vaughn A. Wamsley, Attorney at Law, we draft demand letters that combine evidence, legal arguments, and a clear threat of court action forcing insurers to take your claim seriously.

Can Filing a Lawsuit Pressure Insurers to Negotiate Fairly?

Yes, filing a lawsuit often changes the entire dynamic with insurance companies. It triggers the discovery process, allows access to internal records, and introduces jury risk. These pressures frequently push insurers to negotiate more fairly or settle for higher compensation. Here’s why:

  • Discovery Process: Insurers must hand over internal records, adjuster notes, and claim evaluations.

  • Expert Testimony: Accident reconstructionists and medical professionals can support your case.

  • Jury Risk: Insurers know juries often award more than adjusters are willing to offer.

Even if your case doesn’t go to trial, filing a lawsuit in Indiana often prompts insurers to settle fairly rather than face the uncertainty of court.

Why Do Adjusters Discourage Quick Legal Action?

The longer you wait to call a lawyer, the more leverage insurance adjusters gain over your claim. Delays allow evidence to disappear, deadlines to approach, and pressure to build. Acting quickly ensures your rights are protected and your case remains strong. Here’s what can happen if you delay:

  • Evidence Disappears: Skid marks fade, surveillance footage is erased, and witnesses forget details.

  • Medical Gaps: Waiting to seek treatment weakens your injury claim.

  • Deadlines Pass: Indiana’s statute of limitations is strict two years to file most personal injury lawsuits.

Adjusters want you to wait until it’s too late so evidence disappears, deadlines pass, and your bargaining power weakens. Lawyers, however, push you to act immediately, protecting your rights from day one and keeping your claim as strong as possible.

Can Punitive Damages Be Awarded After Insurance Misconduct?

Sometimes. If an insurer acts in bad faith for example, denying a valid claim without justification you may pursue additional damages under Indiana law. Punitive damages are not automatic, but they may apply if the insurer’s actions are reckless, fraudulent, or intentionally harmful.

A skilled attorney can evaluate whether your case qualifies for punitive damages in addition to compensation for medical bills, lost wages, and pain and suffering.

Get the Legal Help You Need With Vaughn A. Wamsley

After a serious car accident, the last thing you need is an insurance adjuster delaying or denying your claim. Yet, many Indiana accident victims face endless paperwork, low settlement offers, or outright refusals while medical bills and lost wages keep piling up. The stress of battling a powerful insurance company alone can feel overwhelming, leaving you uncertain about your future.

At Vaughn A. Wamsley, we take that burden off your shoulders. With decades of experience and millions recovered for Indiana accident victims, our firm knows how to fight adjuster tactics and win fair compensation. Call us today for a free consultation and let our team protect your rights while you focus on recovery.

FAQs

Can I talk to an adjuster without a lawyer?

Yes, but it’s risky. Adjusters are trained to twist your words into statements that reduce your claim value. Letting your lawyer handle all communication protects your rights and ensures the insurance company takes your case seriously.

Will hiring a lawyer slow down my claim?

Not usually. Many cases actually move faster once insurers see you’re represented because they can’t stall or offer unfairly low settlements. Having a lawyer shows you’re serious, which often pressures the company to resolve claims more efficiently.

Do I need a lawyer if my injuries are minor?

Yes. Even seemingly minor injuries can worsen over time or lead to hidden complications. Insurance adjusters may pressure you into an early settlement. A lawyer ensures you don’t accept less before knowing the true cost of recovery.

Can I afford an attorney?

Yes. At Vaughn A. Wamsley, we work on a contingency fee basis. This means you pay no upfront costs. We only get paid when we win your case, ensuring legal help is always affordable.

How long do I have to act?

Indiana law generally gives you two years to file most personal injury claims. Waiting too long risks losing your right to compensation entirely. Contacting a lawyer quickly ensures deadlines are met, evidence is preserved, and your case remains strong.

Vaughn A. Wamsley
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