Here are some ways to counteract the tactics used by insurance companies during settlement negotiations in personal injury cases:

1. Gather strong evidence: One of the most effective ways to counteract insurance company tactics is to gather strong evidence to support your case. This can include medical records, accident reports, witness statements, and expert testimony.

2. Don't accept the first offer: Don't accept the first settlement offer made by the insurance company. Instead, negotiate for a higher settlement amount that takes into account all of your damages.

3. Be patient: Don't let the insurance company rush you into accepting a settlement offer. Be patient and take the time you need to fully evaluate the offer and negotiate for a fair settlement.

4. Work with an experienced personal injury attorney: An experienced personal injury attorney can help you navigate the negotiation process and counteract the tactics used by insurance companies. They can also help you understand your rights and options and negotiate a fair settlement on your behalf.

5. Keep good records: Keep detailed records of all communication with the insurance company, including emails, letters, and phone calls. This can help you track the negotiation process and hold the insurance company accountable.

6. Be prepared: Come to settlement negotiations prepared with all the necessary documentation and information to support your case. This can include medical bills, employment records, and witness statements.

7. Stay focused on your goals: Stay focused on your goals and don't let the insurance company distract you with irrelevant arguments or tactics. Keep your eye on the prize and work towards a fair and reasonable settlement that compensates you for all of your damages.

By following these tips and working with an experienced personal injury attorney, you can counteract the tactics used by insurance companies and negotiate a fair settlement for your personal injury case.