Insurance companies are businesses, and adjusters are trained negotiators whose job is to resolve claims for as little as possible. Common tactics include requesting recorded statements to lock you into damaging answers, making fast lowball offers before you know your injuries' full extent, and using treatment gaps to dispute causation.

You are not required to accept any of it. Having representation changes the negotiation: the insurer knows the case can go to trial, and that alone typically changes what they offer.