Many insurance companies use the same strategies to reduce the amount they must pay out in claims. These may include:
Shifting responsibility to someone other than their drivers. Insurance companies may attempt to shift liability to the victim or other drivers involved in the accident. Further, they may attempt to claim that other factors were the cause of the accident to reduce their liability.
Offering a low settlement. Most people have no idea how much the damages from an accident may actually cost them. Often insurance companies try to take advantage of those without a lawyer. Shortly after an accident, the victim may receive a settlement offer. This amount of money will almost always be for significantly less than they really deserve for their injuries and the expenses. If they accept this offer, they may reduce or eliminate any chance of obtaining appropriate compensation in the future.