After a car accident or personal injury, you expect the insurance company — whether it’s yours or the other party’s — to help cover your medical bills, lost wages, and other damages. But here's a reality many people don’t discover until it’s too late:

Insurance companies are not on your side — they’re in business to protect their profits.

At The Jones Law Firm P.C., we’ve seen all the tactics insurers use to delay, reduce, or deny legitimate claims. If you’ve been injured in Mississippi, understanding these strategies is the first step toward protecting your rights and getting the compensation you truly deserve.

Why Insurance Companies Work Against You

Insurance companies — even your own — are for-profit businesses. Every dollar they pay you is a dollar off their bottom line. Their adjusters are trained to limit payouts, and they do it by relying on your stress, lack of legal knowledge, or desire for a quick settlement.

The result? Many injury victims walk away with far less than they deserve, and some don’t realize it until the bills start piling up months later.

1. Offering a Fast — and Low — Settlement

🎯 The Strategy:

Soon after the accident, the insurance company offers you money. It may seem generous at first — especially if you’re dealing with hospital bills or missed work.

⚠️ The Problem:

This is often a “lowball” offer, designed to tempt you into settling before the full extent of your injuries is known. Once you accept, you usually can’t go back and ask for more, even if you need future treatment.

💡 What to Do:

Always consult a personal injury attorney before accepting any settlement. At The Jones Law Firm P.C., we’ll calculate your total damages — including future costs — and negotiate for what you’re truly owed.

2. Requesting a Recorded Statement

🎯 The Strategy:

An adjuster may ask for a recorded statement “to help move things along.” They may seem polite and helpful — but the real goal is to get you on record saying something that weakens your claim.

⚠️ The Problem:

Even small details — like saying you “feel fine” — can be twisted later to minimize your injuries or deny the claim altogether.

💡 What to Do:

You are not required to give a recorded statement to the other party’s insurer. Politely decline and let your attorney handle all communications.

3. Downplaying Your Injuries

🎯 The Strategy:

Insurers often argue that your injuries aren’t that serious — or that they existed before the accident.

⚠️ The Problem:

Without medical documentation and legal pressure, you may find yourself being offered far less than you need to fully recover.

💡 What to Do:

Get medical attention immediately and follow all treatment plans. Consistent records strengthen your case — and our firm works closely with doctors to ensure your injuries are fully documented.

4. Blaming You for the Accident

🎯 The Strategy:

The insurer may say you were partially or fully at fault — even if the other driver clearly caused the crash.

⚠️ The Problem:

Mississippi uses pure comparative negligence, meaning your compensation is reduced based on your percentage of fault. The more blame they can shift to you, the less they have to pay.

💡 What to Do:

Don’t admit fault, and don’t argue your case alone. We’ll investigate the accident, gather evidence, and fight to ensure your share of fault is fair — or eliminated entirely.

5. Dragging Out the Process

🎯 The Strategy:

They delay responding, request excessive paperwork, or “lose” information you’ve already provided.

⚠️ The Problem:

They’re hoping you’ll either give up or run out the clock. In Mississippi, the statute of limitations for most personal injury claims is three years — and once that passes, you can’t file a lawsuit.

💡 What to Do:

Don’t wait. Get a legal team involved early so the process stays on track and your claim stays alive.

6. Using Surveillance or Social Media

🎯 The Strategy:

Insurance companies may monitor your social media or hire investigators to track your movements.

⚠️ The Problem:

A photo of you smiling at a family event or walking without a brace could be used to argue that your injuries aren’t serious — even if you’re still in pain.

💡 What to Do:

Keep your social media private and avoid posting about your accident or recovery. Better yet, stay off platforms altogether until your case is resolved.

Why You Need Legal Representation

Insurance companies have teams of professionals working to protect their bottom line — and you should too.

At The Jones Law Firm P.C., we know every tactic they use, and we’re not afraid to take your case to trial if that’s what it takes to get you what you deserve. Our job is to:

• Investigate your case thoroughly

• Handle all communications with insurance companies

• Negotiate aggressively for fair compensation

• Fight in court, if necessary, to protect your rights

And remember — you don’t pay us unless we win.

Final Thoughts

If you’ve been injured, you deserve more than what the insurance company wants to offer. Don’t let their delay tactics, false friendliness, or lowball offers leave you with unpaid bills and unmet needs.

Get a team that fights for you, not against you.

📞 Think You’re Being Lowballed by an Insurance Company?

Call The Jones Law Firm P.C. at (601) 540-2385 or email chad@chadjoneslawpc.com for a free consultation today. We’ll review your case, fight for your rights, and make sure you don’t settle for less than you deserve.