The first is trusting their adjuster. The adjuster works for the insurance company, and the insurance company makes money when they deny claims. So, the adjuster will try and get a victim to say something that will allow them to deny the claim. Accepting less than what the victim deserves and not negotiating with the insurance company are also big mistakes. Victims may not know what their claim is worth, but the insurance company absolutely does, and they will want to pay less than that.