The insurance adjuster sounds friendly. They say they want to 'help you close this out quickly.' Don't be fooled. Their job is to pay you as little as possible.
Trick #1: The Recorded Statement
They will ask for a recorded statement 'just for the file.' They will ask tricky questions like 'How are you feeling?' If you say 'I'm okay' (out of politeness), they will use that recording to argue you weren't injured.
Trick #2: The Medical Authorization Fishing Expedition
They will ask you to sign a medical release form. Often, these forms give them access to your entire life history, not just the accident records. They will look for an old back injury from 10 years ago to claim your current pain is 'pre-existing.'
Trick #3: The Quick Cash Offer
They know you are out of work and bills are piling up. They offer $2,000 today to sign a release. If you sign, you can never ask for more money, even if you need surgery next month.
