The phone's shrill ring shatters the silence. Your heart races as you answer, hoping for some relief after a motorcycle accident turned your life upside down. But the voice on the other end isn't a friend—it's another aggressive insurance adjuster, pushing you to accept a lowball settlement before you've even left the hospital.
In that moment of vulnerability and frustration, it's tempting to give in. But you don't have to face those bullying tactics alone. The seasoned Rhode Island motorcycle accident lawyers at Kirshenbaum & Kirshenbaum are ready to jump in and fight back against adjusters who care more about saving money than helping injured riders rebuild their lives.
Why Are the Insurance Adjusters So Aggressive After My Crash?
Insurance companies are businesses, and their top priority is protecting profits. Every claim eats away at their bottom line, so insurance adjusters often use aggressive strategies to minimize what they pay out—even when you desperately need those funds to cover medical bills and lost wages.
Some common tactics pushy adjusters deploy against motorcycle accident victims:
- Demanding a recorded statement. They'll twist your words later to shift blame and weaken your claim.
- Requesting blanket medical authorizations. Adjusters fish for unrelated conditions to argue your injuries weren't crash-related.
- Pushing for quick, lowball settlements. They'll dangle fast cash before you know the full extent of your injuries and losses.
- Disputing liability. Expect the adjuster to point fingers at you, even if the other driver was clearly at fault.
- Downplaying injuries. Adjusters may claim your injuries aren't that serious or were preexisting. If you had prior conditions, they'll argue the crash didn't cause your pain—even if it clearly made things worse.
- Misrepresenting policy terms. Aggressive adjusters often give false information about what's covered, hoping you'll take their word and give up. Always run policy explanations by your attorney.
- Stalling and dragging out the process. The longer the adjuster takes to settle your claim, the more desperate you may become. Some adjusters use delay tactics to pressure you into accepting less.
- Hiring private investigators. Don't be surprised if an investigator starts tailing you, searching for any activity to "prove" you're not really hurt.
The Adjuster Is Not Your Friend—No Matter How Nice They Seem
Aggressive adjusters often use a "good cop, bad cop" routine. One day, they're bullying you into accepting a lowball offer; the next, they're your best friend, promising to take care of everything if you just cooperate.
Don't fall for the nice act. Adjusters are trained to use manipulative tactics to extract information and concessions. Even the friendliest adjuster's job is to protect the insurance company's interests, not yours. The less you say, the better. Politely refuse to discuss details and direct them to your attorney.
What Should I Do When Aggressive Adjusters Keep Calling?
“No” is the most powerful word in your arsenal. When that phone rings with an aggressive adjuster on the line, you have every right to firmly tell them no—no, you won't give a recorded statement; no, you won't sign open-ended record releases; no, you won't accept an insultingly low offer.
Instead, protect yourself with these proactive steps:
- Keep your cool. Adjusters want to provoke you into saying something they can use against you later. Stay calm and end hostile conversations.
- Document everything. Note every interaction with the adjuster, including calls, emails, and settlement offers. Your attorney will use this to build your case.
- Refer adjusters to your attorney. Once you have legal representation, the adjuster must communicate through your lawyer.
- Focus on healing. Don't let the adjuster's constant pressure distract you from your recovery. Your lawyer will handle the legal battle.
How Can a Rhode Island Motorcycle Accident Lawyer Help?
You have enough to worry about after a devastating motorcycle wreck without constantly fending off aggressive adjusters. Let the experienced motorcycle accident team at Kirshenbaum & Kirshenbaum step into the ring and fight for the compensation you deserve.
We know the sneaky strategies adjusters use to devalue claims, and we don't let them get away with it. Our attorneys will:
- Handle all communication with the insurance company
- Investigate your crash to build an ironclad case
- Gather evidence of all your losses—current and future
- Consult with experts to prove the severity of your injuries
- Negotiate aggressively for a settlement that meets your needs
- Take your case to trial and present it to a jury if the insurer won't compromise
You've already fought hard to survive your motorcycle crash—you shouldn't have to battle bullies just to get the resources to rebuild. If aggressive adjusters are hounding you day and night, it's time to put a tenacious legal team in your corner. The Rhode Island motorcycle accident attorneys at Kirshenbaum & Kirshenbaum today are here to handle the insurance companies so you can focus on healing.