There are a bunch of ways.
First, they can get a statement from you. How will this hurt you if they just want to know the truth? They can ask you trick questions they will use against you.
“How long have you had arthritis?” That question is only important if you have had arthritis in the part of your body injured by the accident.
“How much did you make last year?” If you got a raise this year, that’s not that important.
“Weren’t you planning to take a vacation anyway?” So, you’re only allowed to get paid for lost time if you weren’t going to take a vacation?
Second, if the insurance adjuster is the only person you are talking to, he’s framing your expectations. “We’ve never paid more than $1000 plus medicals for a broken leg.” “We’ll pay for one more physical therapy session, if you sign a release.”
Third, you’re negotiating without the advice of someone familiar with personal injury cases. Most lawyers assume that a truck injury is worth more than the same car injury, that the truck’s insurance company will pay (maybe a lot) more money in pain and suffering than the total your health insurance paid for your medical bills, and that 99 times out of hundred, the money offered today will still be there tomorrow.
Most lawyers know a lot more than that.
I have been a lawyer over 30 years. I usually don’t let my clients talk to the truck’s insurance company; I don’t want them to hurt themselves or their families. If you’ve been hurt by a truck, give me, a Cincinnati truck accident lawyer attorney, a call. My phone is 513-621-4775.
Because all situations are different, and because there may be other facts pertaining to your case that I don’t know about, you should not rely on this answer for legal advice. I am not your attorney, and no lawyer client relationship has been formed. All discussions are limited to Ohio law unless otherwise indicated. And past performance cannot be used to predict future results.