Strong cases fall apart over preventable mistakes. You were hurt. Fault was clear. Then something went wrong.
Insurance companies know the mistakes that tank claims. They wait for you to make them. Once you do, they pounce.
These are the errors that destroy personal injury cases in California.
1. Waiting Too Long to See a Doctor
You feel sore after the accident but decide to wait a few days. Maybe a week. The pain gets worse, so you finally see a doctor two weeks later.
Too late. The damage is done.
Insurance adjusters argue your injuries aren’t serious because you didn’t seek immediate treatment. They claim something else must have caused the pain. A gap between the accident and your first medical visit gives them ammunition to deny or reduce your claim.
Go to the emergency room or urgent care the same day if possible. Within 24-48 hours at most. Even if you feel okay initially, get checked. Adrenaline masks pain. Serious injuries have delayed symptoms.
Medical records created immediately after an accident establish causation. Wait too long and that link becomes arguable.
2. Skipping Medical Appointments or Stopping Treatment Early
You start treatment but miss appointments because you feel better. Or you stop going because you’re tired of therapy. Or you can’t take time off work for every appointment.
Insurance companies call this “non-compliance” and use it to slash your settlement.
If your injuries were serious enough to claim damages, they were serious enough to complete treatment. Gaps in your medical records suggest you weren’t really hurt or you’re exaggerating for money.
Follow your doctor’s treatment plan exactly. Go to every appointment. Complete every therapy session. If you genuinely feel better and your doctor agrees you’re done, get that documented. But don’t just stop showing up.
3. Posting on Social Media
You post a photo at your friend’s wedding. You’re smiling, dancing, having fun. The insurance company’s investigator saves that photo.
At your deposition, they show it to you. “You claimed you couldn’t walk without pain. But here you are dancing just two weeks after the accident.”
Social media posts destroy more cases than almost anything else. Insurance companies monitor Facebook, Instagram, Twitter, TikTok. They hire investigators to scroll through your profiles. One photo contradicting your injury claims can tank your entire case.
Stop posting. Make your accounts private. Don’t check in at locations. Don’t post photos. Don’t comment on other people’s posts about you. And tell your friends and family not to tag you in anything.
The insurance company will argue every photo shows you’re not really injured. You at a restaurant means you can sit comfortably. You at a park means you can walk fine. You smiling means you’re not in pain.
Don’t give them the ammunition.
4. Talking Too Much to Insurance Adjusters
The adjuster calls. They sound sympathetic. You want to explain what happened. You give a long, detailed account. You answer every question they ask.
You just handed them everything they need to deny your claim.
Every word you say to an insurance adjuster can be used against you. They’re trained to ask questions that elicit damaging answers. They record conversations. They take notes. They’re building a file to minimize your settlement.
Give minimal information. Name, contact details, accident location, date and time. That’s it. Don’t describe your injuries. Don’t give recorded statements. Don’t guess at what happened or speculate about fault.
Better yet, tell them to contact your attorney. Once you’re represented, they have to stop calling you directly.
5. Accepting the First Settlement Offer
The insurance company offers $15,000 to settle your case two weeks after the accident. You still have $8,000 in medical bills pending. You haven’t finished treatment. But the money sounds good and you want to be done.
You accept. You sign the release. Your case is over.
Three months later, you need surgery. Total medical bills hit $45,000. You’ve missed six weeks of work. Your initial settlement doesn’t come close to covering your actual damages.
You can’t go back and renegotiate. You signed a release. It’s done.
First settlement offers are almost always lowball. Insurance companies hope you’ll take quick money before understanding the full extent of your injuries and damages. Once you sign a release, you can’t sue for more money later even if your injuries turn out to be far more serious than initially thought.
Don’t settle until you’ve completed treatment or reached maximum medical improvement. Don’t settle until you know your total medical costs, lost wages, and long-term prognosis.
6. Lying or Exaggerating
You tell the insurance company you’ve never been injured before. Then they pull medical records showing a back injury from five years ago. Your credibility is destroyed.
Or you claim you can’t work, but surveillance video shows you doing yard work. Or you say the accident caused your knee problems, but medical records show you complained about knee pain months before the crash.
Dishonesty tanks cases. Insurance companies investigate. They pull medical records. They hire private investigators. They check your social media, employment records, and DMV history. When they catch you in a lie, even a small one, they’ll use it to paint you as a fraud.
Be honest about prior injuries, pre-existing conditions, and your current abilities. Prior injuries don’t disqualify you from compensation if the accident made them worse. But lying about them does.
7. Not Hiring an Attorney Soon Enough
You try to handle the claim yourself. The insurance company lowballs you. You don’t know what your case is worth. By the time you hire an attorney, critical evidence is gone, witnesses have disappeared, and your credibility is damaged from months of statements to adjusters.
Hire an attorney early. Before you give statements. Before you accept settlement offers. Before you make mistakes that can’t be fixed.
Most personal injury attorneys offer free consultations. You risk nothing by getting legal advice before dealing with insurance companies on your own.
Don’t Make These Mistakes
Cohen Injury Law Group represents injury victims throughout California. We’ve seen these mistakes destroy otherwise strong cases. We’ve also seen clients who avoided them and recovered full compensation.