Auto Insurance Claims Adjuster Lies - Rocky Walton Breakthrough
Why You Should Never Trust an Auto Insurance Claims Adjuster After a Car Wreck
When you've been injured in a car accident, one of the first people to contact you is often an insurance adjuster — someone who claims to be on your side, but whose real job is to save money for the insurance company. At Rocky Walton Injury Lawyers, we recently handled a case that perfectly illustrates just how unethical and manipulative these adjusters can be — and why having an experienced personal injury attorney on your side can make all the difference.
The Accident: A T-Bone Collision That Changed a Life
Our client, an elderly woman and Arlington resident, was severely injured in a T-bone crash after a negligent driver failed to yield the right of way while making a left turn on a solid green light. Our client had the right of way, but the defendant’s reckless decision caused a horrific collision that sent our client to the hospital for weeks to manage her pain. Even today, she suffers from chronic back pain, limited mobility, and a loss of independence.
Despite the severity of the accident, the insurance company representing the at-fault driver tried to downplay her injuries and devalue her claim.
The Insurance Company’s Dirty Tactics
From the beginning, the claims adjuster — who was licensed and working for a well-known national auto insurance company — began misleading us and our client. Because our client’s medical bills were lower than expected (thanks to Medicare coverage), the adjuster used this to argue that her injuries were not serious and began offering low-ball settlement figures that were completely out of touch with the reality of her suffering.
Worse yet, the adjuster intentionally misrepresented the defendant’s policy limits, suggesting that they were “close to” the Texas state minimum. This was a blatant attempt to pressure our client into accepting a quick, low settlement.
But we didn’t buy it.
We Smelled a Lie – And We Took Action
At Rocky Walton Injury Lawyers, we’ve been dealing with insurance companies for decades. It didn’t take long for us to realize that something didn’t add up. Instead of playing their game, we moved quickly into litigation. This forced the insurance company to comply with the legal discovery process, where the truth could no longer be hidden.
During discovery, we learned what we had suspected all along: the defendant actually had a $250,000 liability insurance policy, not minimal limits.
This was a major turning point in the case confirming that the adjuster tried to mislead us.
Building the Case and Securing the Truth
Once we uncovered the true policy limits, we secured the defendant’s deposition, during which additional facts came to light confirming the driver’s clear liability for the crash. With this solid evidence in hand, we were able to negotiate a full policy limits settlement of $250,000.
Even though our client had lower paid medical bills and no lost wages, we argued — and proved — that her pain, suffering, loss of independence, and diminished quality of life were worth every penny of the policy limits.
We also took the extra step of filing a formal complaint with the Texas Department of Insurance against the adjuster for their deceptive and unethical conduct.
The Takeaway: Insurance Companies Are Not On Your Side
This case is a powerful reminder that auto insurance companies are not your friend. Their claims adjusters are trained to minimize payouts and manipulate injured victims, especially those who are vulnerable, elderly, or unfamiliar with the legal process.
Had our firm and client trusted what the insurance adjuster stated, she would have received only a fraction of what she deserved. It was only through aggressive legal representation and early litigation that we were able to uncover the truth and force the insurance company to pay what was rightfully owed.
Why You Need an Attorney — Especially in Serious Injury Cases
Too often, injury victims settle for far less than they deserve because they believe the insurance company is being honest. But as this case shows, even licensed professionals can act unethically when money is on the line.
At Rocky Walton Injury Lawyers, we fight to ensure our clients are treated with dignity and receive maximum compensation — no matter what tricks the insurance companies try to pull.
If you or a loved one has been injured in a car accident in Arlington, Texas or anywhere in Texas, don’t go it alone. Get the protection and advocacy you deserve.
Contact Us Today for a Free Consultation
Call us at (817) 429-4299 or visit www.rockywaltoninjurylawyers.com to schedule your free, no-obligation consultation. Let us fight for you — and make sure no insurance company takes advantage of your injury.
