Complimentary Collision Inspections & Consultations
Insurance Tactics to Watch For
Tactics to Watch For
INSURANCE TACTICS TO WATCH FOR
What Insurers Do Behind the Scenes — And How to Protect Yourself
Insurance companies are trained to minimize payouts. They use scripts, pressure, and carefully worded statements to steer you into accepting less than you’re owed. These tactics are common, predictable, and avoidable once you know what to look for.
Below are the most frequent strategies used against consumers after a collision — and how to respond.
1. Steering You to Their Preferred Repair Shop
What they say:
- “We can’t guarantee the repairs if you use your own shop.”
- “Our shop can get you in faster.”
- “Your shop charges too much.”
What’s really happening:
Preferred shops agree to cost‑cutting arrangements that benefit the insurer, not you.
Your protection:
- You can choose any repair shop.
- The insurer must work with the shop you select.
- No one can force you into a DRP shop.
2. Writing a Low Initial Estimate
The tactic:
The first estimate is often intentionally low to anchor the claim.
How it shows up:
- Missing procedures
- Reduced labor times
- Cheaper parts
- Ignored structural damage
Why they do it:
If you accept the low number, they save money.
Your protection:
- Get an independent appraisal.
- Request a supplement from your repair shop.
- Do not accept the first estimate as final.
3. Downplaying OEM Repair Procedures
What they say:
- “That procedure isn’t necessary.”
- “We don’t pay for that.”
- “Your shop is overcharging.”
The truth:
Manufacturer procedures exist for safety and proper repair.
Insurers often ignore them because they cost more.
Your protection:
- Ask your shop to provide OEM documentation.
- Insist on repairs that meet manufacturer standards.
- You are not required to accept shortcuts.
4. Pushing Aftermarket or Salvage Parts
The tactic:
Insurers try to replace OEM parts with cheaper alternatives.
Why it matters:
- Aftermarket parts may not meet safety standards.
- Salvage parts may have unknown damage.
- Fit and finish are often compromised.
Your protection:
- You can refuse non‑OEM parts where state law supports it. Unfortunately, NC does allow the use of Non -OEM Parts.
- You can demand OEM parts for safety‑critical components.
- Document any part‑related concerns with photos.
5. Delaying Communication to Wear You Down
The tactic:
Slow responses, repeated requests for documents, and long gaps between updates.
Why they do it:
Delay increases the chance you’ll accept a low offer just to move on.
Your protection:
- Keep a log of every call and email.
- Request written explanations for delays.
- File a DOI complaint if the delay becomes unreasonable.
6. Claiming “Betterment” or “Depreciation” Improperly
What they say:
“You’re getting new parts, so we have to charge you for the improvement.”
The truth:
Betterment is often misapplied and used to reduce payouts.
Your protection:
- Ask for the exact policy language supporting the deduction.
- Challenge any betterment applied to safety‑related parts.
- Request documentation showing how they calculated depreciation.
7. Minimizing Diminished Value
The tactic:
Insurers downplay or deny diminished value claims, especially when the vehicle is repaired.
Common lines:
- “Your car is as good as new.”
- “We don’t pay diminished value.”
- “You need to prove it.”
Your protection:
- You can request an independent diminished‑value appraisal.
- You can challenge their denial with documentation.
- You can escalate through the appraisal clause if needed.
8. Misrepresenting Your Policy Rights
What they say:
- “You can’t dispute our estimate.”
- “We don’t allow independent appraisals.”
- “You must accept our valuation.”
The truth:
Your policy is a contract — and it includes rights they don’t advertise.
Your protection:
- Request a full copy of your policy and endorsements.
- Highlight the appraisal clause.
- Use your contractual rights to dispute unfair decisions.
9. Using “Total Loss” Valuations That Don’t Reflect Market Value
The tactic:
Insurers use valuation software that often undervalues your vehicle.
Red flags:
- Inaccurate comparable vehicles
- Missing options or packages
- Incorrect mileage
- Outdated market data
Your protection:
- Request the full valuation report.
- Provide your own comps.
- Hire an independent appraiser if needed.
- Trigger the appraisal clause for a fair valuation.
10. Pressuring You to Settle Quickly
What they say:
- “This is the best we can do.”
- “If you don’t accept now, it may take weeks.”
- “This offer expires soon.”
The truth:
Quick settlements save them money — and often cost you thousands.
Your protection:
- Never rush a settlement.
- Review all documents carefully.
- Consult an appraiser or attorney if you feel pressured.
11. Discouraging You From Getting Help
What they say:
“You don’t need an appraiser — we’ll take care of you.”
The truth:
They don’t want a professional challenging their numbers.
Your protection:
- You can hire your own appraiser at any time.
- You can seek legal counsel.
- You can escalate disputes through formal channels.
12. Using Confusing or Intimidating Language
The tactic:
Complex terms, vague explanations, and legal‑sounding statements designed to confuse.
Your protection:
- Ask for everything in writing.
- Request plain‑language explanations.
- Document any misleading statements.
13. Claiming They “Don’t Pay For” Certain Repairs
What they say:
“We don’t pay for that procedure.”
“We don’t cover that type of damage.”
The truth:
Coverage is determined by your policy — not their preferences.
Your protection:
- Ask for the exact policy language supporting the denial.
- Request a written explanation.
- Challenge any refusal that contradicts OEM procedures.