From what television ads portray, car insurance companies are always helpful, super friendly, and there to make sure you get the settlement you deserve so you can move on with your life worry-free. As real-life has shown most of us— that’s not always the case. Truth be told, most car insurance companies want to pay you as little as possible for your car accident. They will fight hard to deny, delay, discredit or underpay you.

A few of the tactics most used by insurance companies to scare clients into taking a low-balled offer have been exposed.