How Do Truck Accident Injury Victims Handle Stubborn Insurance Companies?
June 11, 2026
Why Do Insurance Companies Deny Truck Accident Claims?
If you were in a wreck with a large truck, you probably already know that insurance companies want to do everything they can to protect their bottom line. Because auto insurance companies are for-profit entities. That means they work to please shareholders by making a profit, and how do they profit? By offering as little as possible to those who need it the most: injury victims.
Denying claims, making low-ball offers, and delaying payments are ways insurance companies make money, so, in some cases, they will look for any reason to deny a claim or reduce the amount they have to pay out.
In The Article
Which Insurance Company Denies the Most Claims?
While insurance company denial rates aren’t necessarily recorded or delivered as public record, there are some indicators of how each insurance company handles claims. According to Insurance.com, “Some of the lowest scorers in various regions include Safeco (Southeast and Northwest), Travelers (Central and North Central) and Progressive (Florida).” How an insurance company handles claims can also depend on the region it is servicing.
What Not to Say to An Insurance Adjuster After a Truck Crash
One of the best ways for truck accident injury victims to handle stubborn insurance companies is to know what not to say to insurance adjusters. After an accident, you’ll probably get a call from an insurance company. They’ll want a statement and to discuss the crash. Always keep in mind that they can and will use anything you say against you to avoid paying fair compensation for your injuries.
Some things you should never say to an insurance adjuster include:
- I’m feeling better
- I wasn’t paying attention
- I was speeding
- There isn’t much pain
- I feel fine
- I looked at my phone for one second
Little things like this can affect your claim, and insurance adjusters are trained to get you to say stuff like this. It’s important to avoid talking about the accident in a story-like format. Make sure you stick to the facts.
Additionally, be aware of your pain tolerance. If you’re the type who only goes to the doctor when you can’t move without screaming in pain, don’t give this information to the insurance company. Let them know that you are in pain. If your pain affects your work, mental health, and daily life in any way, tell them. Don’t be brave when talking to an insurance adjuster. Let them know everything that hurts and how bad it really hurts. You don’t get points for grinning and bearing it in this situation.
How Truck Accident Injury Victims Can Handle Stubborn Insurance Companies
Reject Early Offers
In many cases, insurance companies will give you an initial offer that is well below the appropriate amount of recovery for your injuries. Greedy insurance companies bank on the fact that you may be desperate for cash, and offer you something that “looks good enough.” However, you may be in a vulnerable state, thinking that you won’t need any more money. It’s essential to hold off on accepting, and it’s important to know that you have the right to reject this offer.
Document Everything
Take notes on the questions insurance adjusters ask you and your responses. Keep track of your medical bills, lost wages, and how your injuries affected your life. It can be difficult to get an insurance company to agree to pay you for pain and suffering, but if you document the changes to your life, you may have a better chance of getting the compensation you deserve.
Decline Recorded Statements, If Possible
Insurance adjusters may want to record your statement, but keep in mind that they can ask misleading questions or be incredibly friendly on the phone. This can lead to you saying something that can be twisted and make it look like your injuries aren’t as bad as they truly are. Make sure ask to decline any recorded statements before you consult a truck accident lawyer.
Hire a Truck Accident Injury Lawyer
Truck accident lawyers in New Mexico don’t just handle the negotiations; they can help collect essential evidence from big trucking companies to ensure that your case is fully evaluated and you can prove fault beyond a doubt. Getting evidence like this can make a difference in your settlement, and if a settlement isn’t on the table, it can make a massive difference in front of a jury.
How Ron Bell Injury Lawyers Can Help Truck Accident Victims
Ron Bell Injury Lawyers has been helping truck accident injury victims for over 40 years. We know how to deal with stubborn insurance companies who don’t want to give you fair compensation after a big truck accident. We aren’t afraid to dive into your case, investigate the trucking company, and collect evidence that proves who was at fault in the wreck. Contact us today for a free case evaluation. 898-BELL