Expose their tactics
Some insurers bet you'll give up before they pay. Knowing the playbook is how you beat it.
The "starve you out" playbook
- Delay — drag out approvals hoping you settle cheap out of desperation.
- Deny first — reject valid claims knowing many people never appeal.
- Lowball — offer a fast, small settlement before you know what you're owed.
- Surveil — watch and photograph you to argue you're not really hurt.
- Paperwork traps — bury you in forms and deadlines.
How to fight back
- Document everything, keep every letter, and never miss a deadline.
- Appeal denials — the denial letter tells you the grounds.
- Use your state ombudsman and legal aid — both free.