Tactics Insurance Companies Use in Accident Claims

Whether you were hurt in a slip-and-fall accident or an automobile accident, dealing with an insurance company will probably come up at some point. Ideally, they'll consent to pay you a settlement that will fully compensate you for all of your losses, including medical expenses. Regrettably, insurance firms have a reputation for rejecting claims or providing inadequate settlement offers.

While being aware of their strategies can help, working with an accomplished personal injury attorney is your best shot at obtaining the settlement you are entitled.

Here are a few pointers for your knowledge. So be on the lookout if you face any such issue in the future.

An insurance agent cannot be your buddy

Many insurance agents are quite willing to be your buddy as part of their duties, chit-chatting with you about your day, your plans for a holiday, the miserable weather we're having, or how poorly your team is doing. Their employer has undoubtedly trained them to talk to claimants in order to make them feel more at ease, encourage them to speak freely, get them to say things they shouldn't, and persuade them to accept quick and bad settlements.

Delaying the process

Insurance companies are required to process claims quickly, however, less reputable insurers will stop or postpone payment in the hope that you'll give up and leave them alone.

Too many people act in such a manner. An insurance company is most likely stalling if it keeps telling customers that the investigation is still ongoing, that you need to provide more details, or that you have to fulfil more requirements – contact a personal injury lawyer before giving your consent.

Undermining the seriousness of your injury/mishap

The insurance provider may claim that you overstated the seriousness and scope of your injuries in order to lower the overall amount that they will be required to pay. The insurance provider may even contact a physician and demand that you undergo an independent medical evaluation.

Offering quick settlements

Some insurance companies offer cash to quickly resolve your injury claim. Insurance companies realized a long time ago that the speed at which an injury claim is resolved and the cost at which it is resolved are inversely related. An insurance adjuster would frequently make an offer of a few thousand dollars to an injured victim in order to settle their claim quickly.

Non-eligibility to claim insurance

There are situations when an insurance provider will assert that an accident victim's damages were pre-existing and not actually brought on by the collision. Don't let this approach scare you. Even if you have a pre-existing medical condition of some kind, if you can show that the car accident made it worse, you are likely to get a substantial settlement.

Due to lost wages from missed work and the associated medical expenses, many victims experience financial hardship. Having experienced and quality legal representation helps to level the playing field.

With a deep knowledge of the law, top negotiating skills, and decades of trial experience, our Lexington-based legal team at Regard Law Group, PLLC, is here to help. We're available on the phone 24/7. From personal injury and wrongful death claims to the intricacies of breeding contracts, we will ensure that justice is served and you receive the compensation you deserve. Contact our office to schedule an initial consultation or get more information about our services.