In This Article
Soon after a Nevada accident, you will likely hear from an insurance adjuster who sounds friendly and eager to help. It is important to remember their job: to resolve your claim for as little as possible. Recognizing their tactics is the first step to protecting your recovery.
The Quick, Friendly Offer
A fast settlement offer, sometimes within days, is a common tactic. It may feel generous when you are stressed and facing bills, but it almost always undervalues your claim — especially before you know whether your injuries will require ongoing care. Once you accept and sign a release, the claim is closed for good.
The Recorded Statement Request
Adjusters often ask for a recorded statement early, framing it as routine. In reality, they are searching for any words that suggest you were partly at fault or that your injuries are minor. Under Nevada's comparative negligence rule, those words can directly reduce what you recover. You are generally not required to give one to the other driver's insurer.
The Medical Authorization Trap
A blanket authorization to access your medical history lets the insurer comb through years of unrelated records hunting for pre-existing conditions to blame. Providing only the records relevant to your accident protects your privacy and your claim.
Leveling the Playing Field
Adjusters negotiate claims for a living; most injured people do this once. Having an advocate who knows the tactics — and who the insurer knows is prepared to litigate — changes the dynamic and often the outcome. A free review costs nothing and helps you avoid the traps.