After an accident, most people expect insurance companies to act fairly. But behind the friendly tone and quick phone calls are strategies designed to save the company money—not protect you. At Mahna Law, we’ve seen how insurance adjusters spin the facts, pressure victims, and deny what’s owed. Below are seven of the most common lies they use—and how we help you fight back.
Understanding Insurance Tactics
1. “You Don’t Need a Lawyer.”
This is one of the most damaging lies. Adjusters know that claimants who hire attorneys recover significantly more than those who go it alone. Telling you a lawyer isn’t necessary is their way of keeping control of the process—and limiting your payout.
2. “This Is Our Final Offer.”
It rarely is. Initial settlement offers are often lowball attempts to close the case quickly and cheaply. At Mahna Law, we evaluate the true value of your case and negotiate hard until your compensation reflects the full extent of your losses.
Protecting Your Rights
3. “You Have to Give a Recorded Statement.”
No, you don’t. In fact, you shouldn’t. Recorded statements can be used to twist your words and downplay your injuries. Let us communicate on your behalf so you don’t unintentionally hurt your case.
4. “We Accept Full Responsibility.”
This sounds reassuring—but it doesn’t mean they’ll pay fairly. Accepting responsibility is meaningless if the payout doesn’t match the damage. We hold insurers accountable to make sure the compensation reflects your real suffering and costs.
Common Misconceptions They Push
5. “You Can’t File a Claim If You Were Partly at Fault.”
Wrong. Nevada follows comparative negligence laws, which means you can still recover damages even if you were partially to blame. Our job is to minimize that percentage and maximize your recovery.
6. “This Is the Maximum You Can Get.”
Many victims believe what the insurer says about policy limits or compensation caps. But the truth is, multiple policies may apply—and they won’t tell you that. We dig deeper, identify all liable parties, and pursue every avenue of compensation.
Why You Need Support
7. “We’re Just Trying to Help.”
They may sound helpful, but make no mistake—their goal is to pay out as little as possible. At Mahna Law, our only goal is your recovery. We protect your interests, push back against shady tactics, and make sure you’re treated with the respect you deserve.
Conclusion
Insurance companies have teams working to protect their bottom line. You deserve someone fighting just as hard for you. Don’t fall for these common tactics—call Mahna Law and let us level the playing field. No fees unless we win.
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