{"id":38345,"date":"2021-11-30T16:06:54","date_gmt":"2021-11-30T16:06:54","guid":{"rendered":"http:\/\/ikz.emg.mybluehost.me\/?p=38345"},"modified":"2026-10-20T19:15:25","modified_gmt":"2026-10-20T19:15:25","slug":"7-senales-de-alerta-al-tratar-con-ajustadores-de-seguros","status":"publish","type":"post","link":"https:\/\/scrantonlawfirm.com\/es\/7-red-flags-when-dealing-with-insurance-adjusters\/","title":{"rendered":"7 Se\u00f1ales de Alerta al Tratar con Ajustadores de Seguros"},"content":{"rendered":"<script type=\"application\/ld+json\">\n{\n \"@context\": \"https:\/\/schema.org\",\n \"@graph\": [\n  {\n   \"@type\": \"Article\",\n   \"headline\": \"7 Red Flags When Dealing with Insurance Adjusters\",\n   \"description\": \"Seven warning signs an adjuster is working against your claim, from quick lowball offers to recorded statements, and what California law says you can do.\",\n   \"datePublished\": \"2021-11-30T08:00:00-08:00\",\n   \"dateModified\": \"2026-10-20T10:30:00-07:00\",\n   \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Christian Ryan Scranton\",\n    \"url\": \"https:\/\/scrantonlawfirm.com\/chris-scranton\/\",\n    \"@id\": \"https:\/\/scrantonlawfirm.com\/author\/christian-ryan-scranton\/#author\"\n   },\n   \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Scranton Law Firm\",\n    \"logo\": {\n     \"@type\": \"ImageObject\",\n     \"url\": \"https:\/\/scrantonlawfirm.com\/wp-content\/uploads\/Scranton_Law_Firm_Logo.svg\"\n    },\n    \"@id\": \"https:\/\/scrantonlawfirm.com\/#organization\"\n   },\n   \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/scrantonlawfirm.com\/7-red-flags-when-dealing-with-insurance-adjusters\/\"\n   },\n   \"about\": [\n    {\n     \"@type\": \"Thing\",\n     \"name\": \"Insurance adjusters\"\n    },\n    {\n     \"@type\": \"Thing\",\n     \"name\": \"Personal injury claims\"\n    },\n    {\n     \"@type\": \"Place\",\n     \"name\": \"California\"\n    }\n   ]\n  },\n  {\n   \"@type\": \"BreadcrumbList\",\n   \"itemListElement\": [\n    {\n     \"@type\": \"ListItem\",\n     \"position\": 1,\n     \"name\": \"Home\",\n     \"item\": \"https:\/\/scrantonlawfirm.com\/\"\n    },\n    {\n     \"@type\": \"ListItem\",\n     \"position\": 2,\n     \"name\": \"Legal Knowledge Hub\",\n     \"item\": \"https:\/\/scrantonlawfirm.com\/legal-knowledge-hub\/\"\n    },\n    {\n     \"@type\": \"ListItem\",\n     \"position\": 3,\n     \"name\": \"7 Red Flags With Insurance Adjusters\"\n    }\n   ]\n  },\n  {\n   \"@type\": \"FAQPage\",\n   \"mainEntity\": [\n    {\n     \"@type\": \"Question\",\n     \"name\": \"Do I have to give the other driver's insurance a recorded statement?\",\n     \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No. You are not required to give a recorded statement to the other driver's insurance company, and these statements are often used to lower the value of the claim. Get legal advice first.\"\n     }\n    },\n    {\n     \"@type\": \"Question\",\n     \"name\": \"Is the first settlement offer the real number?\",\n     \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Usually not. First offers tend to be low, and the value can change a great deal once your treatment and losses are fully documented.\"\n     }\n    },\n    {\n     \"@type\": \"Question\",\n     \"name\": \"Can the insurance company use my prior injuries against me?\",\n     \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"They will often try. But in California, a person who makes a pre-existing condition worse is responsible for the aggravation. 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text-decoration: none; }\n  .slf-knowledge-cta-btn {\n    display: inline-block; background: var(--slf-red); color: #fff !important;\n    padding: 16px 45px; border-radius: 6px; font-weight: 800;\n    text-transform: uppercase; letter-spacing: 1px; text-decoration: none;\n    transition: background 0.3s ease, transform 0.3s ease, box-shadow 0.3s ease;\n  }\n  .slf-knowledge-cta-btn:hover {\n    background: #a0241f; transform: translateY(-2px);\n    box-shadow: 0 8px 25px rgba(192,44,38,0.3);\n  }\n  .slf-knowledge-cta-trust { font-size: 0.85rem; color: #666; margin-top: 18px; }\n\n  @media (max-width: 768px) {\n    .slf-knowledge-hero { padding: 60px 20px 40px; }\n    .slf-knowledge-meta { gap: 12px; }\n    .slf-toc-list { grid-template-columns: 1fr; }\n    .slf-stats-grid { grid-template-columns: 1fr; }\n    .slf-related-grid { grid-template-columns: 1fr; }\n  }\n<\/style>\n\n<div class=\"slf-knowledge-article\">\n  <!-- HERO -->\n  <section class=\"slf-knowledge-hero\">\n    <div class=\"slf-knowledge-hero-wrap\">\n      <nav class=\"slf-knowledge-breadcrumb\" aria-label=\"Breadcrumb\">\n        <a href=\"\/\">Home<\/a> <span>\u203a<\/span> <a href=\"\/legal-knowledge-hub\/\">Legal Knowledge Hub<\/a> <span>\u203a<\/span> <span>Insurance Adjusters<\/span>\n      <\/nav>\n      <div class=\"slf-knowledge-meta\">\n        <span class=\"slf-knowledge-category\">Insurance &amp; Claims<\/span>\n        <span class=\"slf-knowledge-reading-time\">9 min read<\/span>\n      <\/div>\n      <h1>7 Red Flags When Dealing with Insurance Adjusters<\/h1>\n      <p class=\"slf-knowledge-summary\">The adjuster works for the insurance company, and their job is to close your claim for as little as possible. Here are the seven warning signs we see most often, what each one usually means, and what California law says you can do.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- TABLE OF CONTENTS -->\n  <div class=\"slf-toc\">\n    <div class=\"slf-toc-card\">\n      <div class=\"slf-toc-header\">\n        <h2>In This Article<\/h2>\n      <\/div>\n      <div class=\"slf-toc-body\">\n        <ul class=\"slf-toc-list\">\n          <li><a href=\"#flag-1\">1. A Fast, Friendly Offer<\/a><\/li>\n          <li><a href=\"#flag-2\">2. Recorded Statement Pressure<\/a><\/li>\n          <li><a href=\"#flag-3\">3. A Broad Medical Release<\/a><\/li>\n          <li><a href=\"#flag-4\">4. Treatment and Social Media Attacks<\/a><\/li>\n          <li><a href=\"#flag-5\">5. Silence and Delays<\/a><\/li>\n          <li><a href=\"#flag-6\">6. Fake Deadlines<\/a><\/li>\n          <li><a href=\"#flag-7\">7. &#8220;You Don&#8217;t Need a Lawyer&#8221;<\/a><\/li>\n          <li><a href=\"#bad-faith\">When It Becomes Bad Faith<\/a><\/li>\n          <li><a href=\"#how-a-lawyer-helps\">How a Lawyer Helps<\/a><\/li>\n          <li><a href=\"#what-to-do\">What to Do If You See These<\/a><\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- MAIN CONTENT -->\n  <article class=\"slf-knowledge-content\">\n    <div class=\"slf-knowledge-content-wrap\">\n\n      <p>Dealing with the other driver&#8217;s insurance adjuster is one of the hardest parts of an injury claim. The calls are friendly, the tone is helpful, and the questions sound routine. But the adjuster works for the insurance company, and their job is to close your claim for as little as possible.<\/p>\n      <p>Most adjuster tactics are not illegal. They work because injured people are hurting, stressed about bills, and new to the process. Knowing the warning signs is usually enough to protect yourself.<\/p>\n\n      <div style=\"position:relative;padding-bottom:56.25%;height:0;overflow:hidden;border-radius:10px;margin:25px 0;\">\n        <iframe src=\"https:\/\/www.youtube.com\/embed\/Z2D_z3lkggA\" title=\"Red flags when dealing with insurance adjusters\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;border:0;\" loading=\"lazy\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n      <\/div>\n\n      <h2 id=\"flag-1\">1. A Fast, Friendly Offer Before You Have Finished Treatment<\/h2>\n      <p>Within days of the crash, sometimes hours, the adjuster calls with what sounds like a generous offer: &#8220;We want to help you move on. We can have a check out this week.&#8221;<\/p>\n      <p>That first number is almost always a small fraction of what the claim is worth. The adjuster knows the value of your claim. You do not yet, because you have not finished treatment and nobody knows what your future care will cost. Accepting the check usually means signing a release, and a release ends your right to ask for more, even if your injuries turn out to be far worse.<\/p>\n      <div class=\"slf-key-takeaway\">\n        <div class=\"slf-key-takeaway-label\">\n          <svg viewBox=\"0 0 24 24\"><path d=\"M12 17.27L18.18 21l-1.64-7.03L22 9.24l-7.19-.61L12 2 9.19 8.63 2 9.24l5.46 4.73L5.82 21z\"\/><\/svg>\n          What to Do\n        <\/div>\n        <p>Do not accept or sign anything until your doctor can document the full extent of your injuries. Until then, any offer is premature.<\/p>\n      <\/div>\n\n      <h2 id=\"flag-2\">2. Pressure for a Recorded Statement<\/h2>\n      <p>&#8220;We just need your side of the story on the record.&#8221; This is one of the most reliable red flags in the whole process. A recorded statement is not neutral fact-finding. It is a structured interview, and the questions are built to produce sentences the insurer can use later:<\/p>\n      <ul>\n        <li>&#8220;You&#8217;re feeling better today, right?&#8221; gets used to argue you were not seriously hurt.<\/li>\n        <li>&#8220;Could you have done anything differently?&#8221; gets used to blame you for part of the crash.<\/li>\n        <li>Open-ended questions about symptoms mean anything you forget to mention can be treated as if it never happened.<\/li>\n        <li>Guesses about speeds, distances and times get locked in, even though memory is unreliable right after a crash.<\/li>\n      <\/ul>\n      <div class=\"slf-key-takeaway\">\n        <div class=\"slf-key-takeaway-label\">\n          <svg viewBox=\"0 0 24 24\"><path d=\"M12 17.27L18.18 21l-1.64-7.03L22 9.24l-7.19-.61L12 2 9.19 8.63 2 9.24l5.46 4.73L5.82 21z\"\/><\/svg>\n          What to Do\n        <\/div>\n        <p>In California you are not legally required to give a recorded statement to the other driver&#8217;s insurance company. Your own insurer is different, because most policies require you to cooperate. Even then, you can ask for the questions in advance and have a lawyer with you. The safest answer to &ldquo;Can we record this?&rdquo; is &ldquo;I need to talk to my attorney first.&rdquo;<\/p>\n      <\/div>\n\n      <h2 id=\"flag-3\">3. A Request for a Broad Medical Release<\/h2>\n      <p>The adjuster sends a release that lets them pull your entire medical history, not just the records for this injury. Then old back pain, a prior sports injury or a years-old car accident becomes the &#8220;real&#8221; cause of your symptoms.<\/p>\n      <p>That argument often ignores California law. Under the rule that a defendant takes the injured person as they find them (California civil jury instruction CACI 3928), an at-fault driver who makes a pre-existing condition worse is responsible for that aggravation.<\/p>\n      <div class=\"slf-key-takeaway\">\n        <div class=\"slf-key-takeaway-label\">\n          <svg viewBox=\"0 0 24 24\"><path d=\"M12 17.27L18.18 21l-1.64-7.03L22 9.24l-7.19-.61L12 2 9.19 8.63 2 9.24l5.46 4.73L5.82 21z\"\/><\/svg>\n          What to Do\n        <\/div>\n        <p>Be honest about your medical history, but limit any release to the records that relate to this crash. Do not sign a blanket release without legal advice.<\/p>\n      <\/div>\n\n      <h2 id=\"flag-4\">4. Attacks on Your Treatment, or Checks on Your Social Media<\/h2>\n      <p>Once they cannot deny you were hurt, many adjusters attack the treatment instead. A gap before your first doctor visit becomes proof the injury was minor. Regular physical therapy becomes &#8220;excessive.&#8221; An MRI becomes &#8220;unnecessary.&#8221; Some insurers also look at your social media, and a photo of you at a family barbecue can be used to argue you are not really in pain.<\/p>\n      <p>Some insurers also ask you to see a doctor of their choosing for an &#8220;independent medical exam.&#8221; That doctor is paid by the insurance company, and the exam is often used to downplay your injuries on paper. Talk to a lawyer before you agree to one.<\/p>\n      <p>A few adjusters go further and ask your employer, neighbors or doctors about you, or turn up at your home or work without an appointment. You do not have to meet an adjuster who shows up unannounced. Insurers may also hire investigators and check public records as well as social media, so do not accept friend requests from people you don&#8217;t know, and ask family and friends not to tag you in photos while your claim is open.<\/p>\n      <div class=\"slf-key-takeaway\">\n        <div class=\"slf-key-takeaway-label\">\n          <svg viewBox=\"0 0 24 24\"><path d=\"M12 17.27L18.18 21l-1.64-7.03L22 9.24l-7.19-.61L12 2 9.19 8.63 2 9.24l5.46 4.73L5.82 21z\"\/><\/svg>\n          What to Do\n        <\/div>\n        <p>Follow your doctor&#8217;s treatment plan, keep every appointment, and keep records of every visit and prescription. Keep your social media private and do not post about the crash or your injuries.<\/p>\n      <\/div>\n\n      <h2 id=\"flag-5\">5. Silence, Delays and Repeat Paperwork<\/h2>\n      <p>Some claims seem to stall. The adjuster is hard to reach, the file gets passed to a new adjuster who needs to &#8220;get up to speed,&#8221; or you are asked for documents you already sent. Every month of delay puts more pressure on you to take whatever is offered.<\/p>\n      <div class=\"slf-legal-code\">\n        <div class=\"slf-legal-code-label\">California Deadlines for Insurers<\/div>\n        <p>Insurers generally must acknowledge a claim within 15 calendar days (Cal. Code of Regulations, title 10, section 2695.5) and accept or deny it within 40 days of receiving proof of the claim (section 2695.7). If they need more time, they must tell you in writing why, every 30 days. Once a claim is accepted, the insurer generally must pay within 30 days.<\/p>\n      <\/div>\n      <div class=\"slf-key-takeaway\">\n        <div class=\"slf-key-takeaway-label\">\n          <svg viewBox=\"0 0 24 24\"><path d=\"M12 17.27L18.18 21l-1.64-7.03L22 9.24l-7.19-.61L12 2 9.19 8.63 2 9.24l5.46 4.73L5.82 21z\"\/><\/svg>\n          What to Do\n        <\/div>\n        <p>Keep a written log of every call, email and document you send, with dates. If weeks go by with no real progress, that is a good time to get a lawyer involved.<\/p>\n      <\/div>\n\n      <h2 id=\"flag-6\">6. &#8220;This Offer Expires Friday&#8221;<\/h2>\n      <p>Adjusters create urgency: &#8220;This offer is only good for ten days.&#8221; &#8220;We need to close the file this month.&#8221; The deadline is manufactured. In most California injury cases you have two years from the date of the injury to file a lawsuit (Code of Civil Procedure section 335.1). Claims against a city, county or state agency are different: you may have as little as six months to file a government claim, so those need attention right away. Our <a href=\"\/california-personal-injury-statute-of-limitations\/\">California statute of limitations guide<\/a> covers the details.<\/p>\n      <div class=\"slf-key-takeaway\">\n        <div class=\"slf-key-takeaway-label\">\n          <svg viewBox=\"0 0 24 24\"><path d=\"M12 17.27L18.18 21l-1.64-7.03L22 9.24l-7.19-.61L12 2 9.19 8.63 2 9.24l5.46 4.73L5.82 21z\"\/><\/svg>\n          What to Do\n        <\/div>\n        <p>Ignore deadlines that come from the other side&#8217;s insurer. Ask for any &ldquo;deadline&rdquo; in writing, and confirm the legal deadlines that actually apply to your case.<\/p>\n      <\/div>\n\n      <h2 id=\"flag-7\">7. The Adjuster Tells You That You Do Not Need a Lawyer<\/h2>\n      <p>This is the biggest red flag of them all. An adjuster who is treating you fairly has no reason to steer you away from legal advice.<\/p>\n      <div class=\"slf-legal-code\">\n        <div class=\"slf-legal-code-label\">California Insurance Code<\/div>\n        <p>California&#8217;s Insurance Code lists &#8220;directly advising a claimant not to obtain the services of an attorney&#8221; as an unfair claims settlement practice (section 790.03(h)(14)).<\/p>\n      <\/div>\n      <p>If an adjuster says it, it is a strong sign they expect a lawyer to find money they would rather not pay.<\/p>\n      <div class=\"slf-key-takeaway\">\n        <div class=\"slf-key-takeaway-label\">\n          <svg viewBox=\"0 0 24 24\"><path d=\"M12 17.27L18.18 21l-1.64-7.03L22 9.24l-7.19-.61L12 2 9.19 8.63 2 9.24l5.46 4.73L5.82 21z\"\/><\/svg>\n          What to Do\n        <\/div>\n        <p>Do the opposite of what they suggest. A free consultation tells you what your claim is worth and which deadlines apply, before you sign anything. See <a href='\/how-much-is-my-car-accident-case-worth\/'>what a California car accident case is worth<\/a>.<\/p>\n      <\/div>\n\n      <h2 id=\"bad-faith\">When Delay or a Lowball Offer Becomes Bad Faith<\/h2>\n      <p>California requires insurers to handle claims fairly. When your own insurance company unreasonably delays, denies or undervalues a valid claim, for example on an uninsured motorist claim, that can be insurance bad faith, and the damages can go beyond what the policy would have paid.<\/p>\n      <p>Bad faith works differently when the claim is against the other driver&#8217;s insurer. You usually cannot sue that company directly. But an insurer that unreasonably refuses to settle within its driver&#8217;s policy limits can end up responsible for a verdict above those limits. A lawyer can tell you which situation you are in.<\/p>\n\n      <h2 id=\"how-a-lawyer-helps\">How a Lawyer Handles These Red Flags<\/h2>\n      <ul>\n        <li>All communication goes through your attorney: no recorded statements, no off-the-cuff comments, no fake deadlines.<\/li>\n        <li>Your claim is fully documented before any settlement talk: medical records, lost wages, future care and the human cost.<\/li>\n        <li>The insurer knows the case can go to trial, which changes how it values the claim.<\/li>\n        <li>California&#8217;s claim-handling deadlines get enforced instead of ignored.<\/li>\n        <li>The settlement covers all of your damages, including future medical costs and lost earning capacity, not just the bills you already have.<\/li>\n      <\/ul>\n\n      <h2 id=\"what-to-do\">What to Do If You See These Red Flags<\/h2>\n      <ul>\n        <li>Do not give a recorded statement to the other driver&#8217;s insurer before getting advice.<\/li>\n        <li>Do not sign a release or a blanket medical authorization until you understand it.<\/li>\n        <li>Get medical care and follow your doctor&#8217;s plan.<\/li>\n        <li>Keep a written log of every call, offer and deadline.<\/li>\n        <li>Keep your social media private.<\/li>\n        <li>Get a free case review before accepting any offer.<\/li>\n      <\/ul>\n      <p>These red flags do not only come from the other driver&#8217;s insurer. You can run into some of them with your own insurance company too, for example on an uninsured motorist claim. The difference is that your policy usually requires you to cooperate with your own insurer, which makes it harder to know where your obligations end. A lawyer can help you meet your policy duties without giving away your claim. For more on your rights, see <a href=\"\/dealing-with-insurance-adjusters-what-are-your-rights\/\">Dealing with Insurance Adjusters: What Are Your Rights?<\/a><\/p>\n\n    <\/div>\n  <\/article>\n\n  <!-- FAQ SECTION -->\n  <section class=\"slf-knowledge-faq\">\n    <div class=\"slf-knowledge-faq-wrap\">\n      <h2>Frequently Asked Questions<\/h2>\n\n      <div class=\"slf-faq-item is-open\">\n        <div class=\"slf-faq-question\" onclick=\"this.parentElement.classList.toggle('is-open')\">\n          Do I have to give the other driver&#x27;s insurance a recorded statement?\n          <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n        <\/div>\n        <div class=\"slf-faq-answer\">\n          No. You are not required to give a recorded statement to the other driver&#x27;s insurance company, and these statements are often used to lower the value of the claim. Get legal advice first.\n        <\/div>\n      <\/div>\n      <div class=\"slf-faq-item\">\n        <div class=\"slf-faq-question\" onclick=\"this.parentElement.classList.toggle('is-open')\">\n          Is the first settlement offer the real number?\n          <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n        <\/div>\n        <div class=\"slf-faq-answer\">\n          Usually not. First offers tend to be low, and the value can change a great deal once your treatment and losses are fully documented.\n        <\/div>\n      <\/div>\n      <div class=\"slf-faq-item\">\n        <div class=\"slf-faq-question\" onclick=\"this.parentElement.classList.toggle('is-open')\">\n          Can the insurance company use my prior injuries against me?\n          <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n        <\/div>\n        <div class=\"slf-faq-answer\">\n          They will often try. But in California, a person who makes a pre-existing condition worse is responsible for the aggravation. Being honest about your history and documenting how your condition changed after the crash is what protects your claim.\n        <\/div>\n      <\/div>\n      <div class=\"slf-faq-item\">\n        <div class=\"slf-faq-question\" onclick=\"this.parentElement.classList.toggle('is-open')\">\n          How long does an insurer have to respond to my claim in California?\n          <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n        <\/div>\n        <div class=\"slf-faq-answer\">\n          Generally 15 calendar days to acknowledge the claim and 40 days from proof of claim to accept or deny it, with written updates every 30 days if they need more time.\n        <\/div>\n      <\/div>\n      <div class=\"slf-faq-item\">\n        <div class=\"slf-faq-question\" onclick=\"this.parentElement.classList.toggle('is-open')\">\n          What is insurance bad faith in California?\n          <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n        <\/div>\n        <div class=\"slf-faq-answer\">\n          Bad faith is when an insurer unreasonably delays, denies or undervalues a valid claim. It is mainly a claim against your own insurance company, and the damages can exceed the policy limits. Against the other driver&#x27;s insurer, it usually comes up when that insurer refuses a reasonable settlement within its policy limits and a larger verdict follows.\n        <\/div>\n      <\/div>\n      <div class=\"slf-faq-item\">\n        <div class=\"slf-faq-question\" onclick=\"this.parentElement.classList.toggle('is-open')\">\n          What if I was partly at fault?\n          <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n        <\/div>\n        <div class=\"slf-faq-answer\">\n          You can still recover. California uses pure comparative negligence, so your compensation is reduced by your share of fault, but you are not barred from recovering.\n        <\/div>\n      <\/div>\n      <div class=\"slf-faq-item\">\n        <div class=\"slf-faq-question\" onclick=\"this.parentElement.classList.toggle('is-open')\">\n          When should I talk to a lawyer?\n          <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n        <\/div>\n        <div class=\"slf-faq-answer\">\n          Early, especially if your injuries are serious, fault is disputed, or the adjuster is pushing you for a statement, a signature or a fast decision. Scranton Law Firm works on contingency, so there is no fee unless we recover money for you.\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- RELATED RESOURCES -->\n  <section class=\"slf-knowledge-related\">\n    <div class=\"slf-knowledge-related-wrap\">\n      <h2>Related Resources<\/h2>\n      <div class=\"slf-related-grid\">\n        <a href=\"\/dealing-with-insurance-adjusters-what-are-your-rights\/\" class=\"slf-related-card\">\n          <div class=\"slf-related-label knowledge\">Knowledge Hub<\/div>\n          <div class=\"slf-related-title\">Dealing with Insurance Adjusters: What Are Your Rights?<\/div>\n          <div class=\"slf-related-desc\">What you can and cannot be required to do when an adjuster contacts you.<\/div>\n        <\/a>\n        <a href=\"\/how-much-is-my-car-accident-case-worth\/\" class=\"slf-related-card\">\n          <div class=\"slf-related-label knowledge\">Legal Guide<\/div>\n          <div class=\"slf-related-title\">How Much Is My Car Accident Case Worth?<\/div>\n          <div class=\"slf-related-desc\">The factors that set a California crash settlement, so you can judge an offer.<\/div>\n        <\/a>\n        <a href=\"\/how-contingency-fees-work\/\" class=\"slf-related-card\">\n          <div class=\"slf-related-label knowledge\">Legal Guide<\/div>\n          <div class=\"slf-related-title\">How Personal Injury Contingency Fees Work<\/div>\n          <div class=\"slf-related-desc\">Why a free consultation costs you nothing, and what you pay only if you win.<\/div>\n        <\/a>\n        <a href=\"\/car-accident-lawyer\/\" class=\"slf-related-card\">\n          <div class=\"slf-related-label practice\">Practice Area<\/div>\n          <div class=\"slf-related-title\">Car Accident Lawyer<\/div>\n          <div class=\"slf-related-desc\">How Scranton Law Firm handles crash claims across Northern California.<\/div>\n        <\/a>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- DISCLAIMER -->\n  <section class=\"slf-knowledge-disclaimer\">\n    <div class=\"slf-knowledge-disclaimer-wrap\">\n      <p><strong>Disclaimer:<\/strong> This article is for informational purposes only and does not constitute legal advice. Every case is unique, and the information provided here may not apply to your specific situation. Reading this content does not create an attorney-client relationship with Scranton Law Firm. For advice regarding your particular circumstances, please contact a qualified attorney.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- CTA -->\n  <section class=\"slf-knowledge-cta\">\n    <div class=\"slf-knowledge-cta-wrap\">\n      <hr class=\"slf-knowledge-cta-rule\">\n      <h2>Dealing with an Aggressive Insurance Adjuster?<\/h2>\n      <p class=\"slf-knowledge-cta-sub\">Scranton Law Firm has helped injured people across Northern California since 1973. Let us handle the insurance company.<\/p>\n      <div class=\"slf-knowledge-cta-phone\"><a href=\"tel:+18007070707\">800-707-0707<\/a><\/div>\n      <a href=\"\/contact-us\/\" class=\"slf-knowledge-cta-btn\">Free Case Evaluation<\/a>\n      <p class=\"slf-knowledge-cta-trust\">No fees unless we win your case. Available 24\/7.<\/p>\n    <\/div>\n  <\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Seven warning signs an insurance adjuster is working against your injury claim, and what California law says you can do about each one.<\/p>","protected":false},"author":13,"featured_media":38350,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","nfd_image_url":"","nfd_onboarding_generated":"","footnotes":""},"categories":[12,88],"tags":[103,87,13,167,51,52],"class_list":["post-38345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal-advice","category-outbrain","tag-insurance-adjuster","tag-insurance-adjusters","tag-personal-injury","tag-personal-injury-case","tag-personal-injury-law-firm","tag-personal-injury-lawyer"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Seven warning 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