Being in an accident can be one of the most stressful experiences of your life. Dealing with injuries, medical bills, and lost wages can feel overwhelming.
In these moments, you might expect your or the at-fault party’s insurance company to step in and make the process easier. After all, that’s what insurance is for, right?
Unfortunately, insurance companies don’t always act in your best interests. They are businesses focused on making profits. One way they do that is by minimizing the amount they pay out in claims. Even when you’re clearly the victim, insurance adjusters may use tactics to reduce or deny your compensation.
This is why many accident victims choose to work with personal injury attorneys. These legal professionals understand how insurance companies operate and can help protect your rights. They know the strategies insurers use to take advantage of claimants and can ensure you’re treated fairly.
Big Chad Law Injury & Accident Lawyers is one of the top law firms that specializes in dealing with insurance adjusters. The firm, co-founded by Chad Schaub, has been helping accident victims of various cities in Arizona get fair compensation for their losses. In addition to personal injury cases, Big Chad Law also deals with criminal defense and immigration issues.
If you’re filing an insurance claim after an accident, it’s important to be aware of these tactics. The sections below list five of these tactics.
Offering Quick, Low Settlements
One common tactic insurance companies use is offering a quick settlement soon after the accident. While this may seem like a good idea, these offers are often much lower than what you truly deserve. They count on victims being overwhelmed and eager to resolve the situation.
Before accepting any settlement, it’s crucial to fully understand the extent of your injuries and expenses. Once you agree to a settlement, you can’t go back and ask for more money if additional costs arise. Consulting with an attorney before accepting any offer can help you avoid this mistake.
Downplaying Your Injuries
Insurance adjusters might try to downplay the severity of your injuries to justify offering less money. They may argue that your injuries are pre-existing or not as serious as you claim. In some cases, they might even question whether you’re injured at all.
To counter this, make sure to seek medical attention immediately after your accident and keep detailed records of your treatment. A doctor’s report can provide the evidence needed to prove the extent of your injuries.
Delaying the Claims Process
Another tactic is delaying your claim in the hope that you’ll become frustrated and settle for less. The longer the process drags on, the more likely you are to accept a low offer just to get it over with.
Stay patient and persistent. Follow up regularly with the insurance company, and don’t let them pressure you into accepting less than you deserve. If delays become unreasonable, an attorney can step in and hold the insurer accountable.
Using Your Words Against You
When you speak to an insurance adjuster, they may record your conversation or take notes. Even casual comments like “I’m feeling better” or “I didn’t see the other car” can be twisted and used against you to reduce your claim.
To avoid this, be cautious about what you say. Stick to the facts and avoid making statements about fault or the extent of your injuries. Better yet, let your attorney handle communications with the insurance company.
Denying Liability
In some cases, insurance companies may outright deny liability for the accident. They might argue that you were partially or fully at fault, even if the evidence suggests otherwise. This tactic is designed to intimidate you into accepting a smaller payout or dropping your claim entirely.
Having a lawyer by your side can make a big difference. An attorney can gather evidence, such as police reports, witness statements, and medical records, to prove liability and hold the insurance company accountable.
Conclusion
Insurance companies often prioritize their profits over your well-being, using tactics to minimize or deny your claim. From quick settlements to delaying tactics and denying liability, these strategies are designed to take advantage of accident victims when they’re at their most vulnerable.
By understanding these methods and working with personal injury attorneys, you can protect yourself and ensure you receive fair compensation.
Remember, you don’t have to face this process alone. With the right support, you can stand up to insurance companies and secure the justice you deserve.
