The Top 5 Things Insurance Companies Don’t Want You to Know About a Personal Injury Claim

When you’ve been injured in a crash, a fall, or any other incident caused by someone else’s negligence, you expect the insurance company to do the right thing. But make no mistake—insurance companies are not in the business of paying out fair claims. They’re in the business of protecting their bottom line. Here are five things insurance companies hope you never find out:

1. They’re Not Required to Offer You a Fair Settlement

Insurance adjusters may sound helpful, even sympathetic. But their job is to minimize payouts—not to ensure justice. Many people accept lowball offers without realizing their case could be worth significantly more. Once you settle, you can’t go back. Always consult a top-rated personal injury attorney in Oakland before signing anything.

2. They’re Watching You—Online and Offline

Insurance companies routinely monitor claimants’ social media accounts, looking for photos, posts, or comments that contradict injury claims. They may also hire private investigators to observe your daily activities. Even a short walk or a smile in a photo can be used against you. Privacy matters—especially when your health and credibility are on the line. For Bay Area personal injury claimants, maintaining discretion is key.

3. They Count on You Not Understanding the Value of Your Claim

Pain and suffering, future medical care, lost earning capacity—these are complex damages that go far beyond immediate bills. Insurance companies often ignore or undervalue these elements unless you push back. A skilled Oakland personal injury lawyer knows how to calculate and demand full compensation.

4. They Hope You Miss Critical Deadlines

In California, the statute of limitations for most personal injury claims is two years. But if a government entity is involved, you may have just six months to file a claim. Insurance companies won’t remind you of these deadlines. If you miss them, your case could be barred forever, making quick action with an Oakland personal injury lawyer essential.

5. They Know You’re Vulnerable—and They Exploit It

After an injury, you’re dealing with pain, stress, and uncertainty. Insurance companies often strike early, hoping you’ll settle before you understand the full extent of your injuries or legal rights. They may even discourage you from hiring a lawyer. Why? Because they know you’ll likely get more with legal representation from a reputable firm like Harriman Law.

At Harriman Law, we believe in transparency, advocacy, and empowering our clients. We’ve spent years standing up to insurance companies and securing fair outcomes for injured people across the Bay Area. If you’ve been hurt, don’t go it alone. Let us help you understand your rights and fight for what you deserve. Reach out today for a free consultation with a personal injury lawyer in Oakland. The truth matters—and we’re here to make sure you hear it.