One of the most powerful advantages Gonzalez Munoz Law brings to injury clients is the experience of Attorney Julio Muñoz, who worked on the insurance defense side before becoming a plaintiff's attorney. That experience revealed exactly how adjusters are trained to minimize claim payouts.
Tactic 1 — The Early Low Offer
Within days of your accident, an adjuster may call with a quick settlement offer. This offer comes before you know the full extent of your injuries, before you've completed treatment, and before you understand your legal rights. Accepting it releases all future claims.
Never accept a settlement offer without consulting an attorney first.
Tactic 2 — Recorded Statements
Adjusters will ask to take a recorded statement "just to understand what happened." In reality, they're looking for inconsistencies, admissions of fault, or statements that minimize your injuries. You have no legal obligation to give a recorded statement to the other driver's insurer.
Tactic 3 — Gaps in Treatment
If you skip medical appointments or delay treatment, adjusters will argue your injuries weren't that serious or that something else caused them. Consistent medical treatment is one of the most important factors in claim value.
Tactic 4 — Surveillance
Serious injury claims often trigger surveillance. Adjusters may hire investigators to photograph or film you in public — looking for activities inconsistent with your claimed injuries.
Tactic 5 — Disputing Medical Necessity
Insurers routinely have their own doctors (IME — Independent Medical Examination) review your medical records to argue that treatments were unnecessary or unrelated to the accident.
How Gonzalez Munoz Law Responds
We know these tactics because we've seen them from the inside. We document your injuries from day one, manage your medical treatment timeline, prepare you for IME examinations, and negotiate from a position of full knowledge. Call 305-770-6666 for a free consultation.