Four Insurance Company Scams that Cause Automobile Accident Victims to Accept Less | Auto Accident Lawyers
Before assuming control of a car, drivers must show proof of their financial stability in every state in the United States. This proof of financial responsibility often consists of documentation of insurance coverage in accordance with the minimal legal requirements. The reason why the state legislature mandates this is so that the victim of an accident who was injured, killed, or whose property was damaged can be compensated for their costs. As it should be, it seems rather easygoing and basic.
To speak with a knowledgeable auto accident lawyer who can assist you in obtaining compensation and battling insurance companies, dial 11112222.
Insurance Companies’ Tricks
However, insurance providers like to make things difficult. Why? Despite the fact that paying vehicle accident claims properly is part of their business model, doing so doesn’t further their financial objectives.
How do insurance firms generate revenue?
They are in business to make money, just like every other company. They have less money in their bank accounts as they spend more on auto accident claims. They turn to methods and strategies to persuade victims of auto accidents to settle for less money than their claim is worth as one of their solutions to this conundrum.
4 Most Frequently Used Strategies by Insurance Companies
No matter how big or little the accident, anyone making a car insurance claim should be aware of these unfair and frequently unethical practises. Additionally, they ought to be supported by a skilled auto accident attorney who can help them recognise and counteract these strategies. How do insurance firms deceive you then? Four of their most popular strategies are as follows:
Recorded Swoop and Settle Statement Refuting Your Claim and Requesting Additional and Unrelated Medical Records
Swap and Settling
Do insurance firms prefer speedy resolutions? They do, of course, but not for the same reasons that you do. You need to make a timely decision so that you can pay your debts, replace any lost income, and carry on with your life. They aim to settle as soon as possible to prevent car accident victims from having the chance to speak with an auto accident attorney to determine the true value of their case or before they have the chance to fully comprehend the scope of their injuries.
They want to intervene quickly—often within days of your claim being filed—make you an offer, and get your acceptance. This keeps you from being aware that the offer they made you was far less than what you may have gotten with legal representation. Normally, you cannot back out of their offer once you accept and sign it. Before accepting any compensation from the insurance adjuster, consult with a knowledgeable auto accident lawyer. It’s also important to remember that you can counter-offer their settlement, but doing so is typically best done with the assistance of a lawyer who is familiar with the advantages and disadvantages of your claim.
The Recorded Declaration
The insurance adjuster will normally request your consent to record your statement and responses when they call to talk with you about the accident. They can act as though doing so is necessary or that doing it will prevent them from processing your claim. This, however, is untrue. You are not required to consent to or give a recorded statement. Tell them instead that you will first speak with a car accident attorney about your case.
They can use what you say against you if they request a recorded statement from you. A leading question like, “You didn’t see the automobile coming because you were gazing down at your cell phone, right?” is another way they can manipulate you.
Right after a long night shift, you were heading home, right?
Or they can simply misinterpret what you say. It is best to employ a car accident lawyer who can represent you when speaking with the insurance adjuster.
Putting Off Your Claim
Simply delaying your claim is another common strategy used by auto insurance companies. After the accident, you file your claim as fast as you can, but nothing appears to happen. When you phone the adjuster to inquire about the status of your claim, they give you the runaround or other excuses. They are hoping that you will become impatient with them handling your claim, forget about it, and go on, or simply consent to accepting less.
What to do if the insurance provider drags its feet
The insurance company knows they can’t get away with these delays if you have legal assistance. No unneeded delays will occur, thanks to your attorney.
Requesting extra and unrelated medical records
The medical bills and records for which you are requesting payment or reimbursement may be viewed by the insurance provider. They don’t necessarily have a right to see any dates prior to the car accident in your medical records. They might try to use this information against you if they manage to get their hands on it. So, for instance, if you supplied them medical papers from a previous back injury, they would try to argue that your current pain and symptoms are not the result of the recent vehicle accident but rather are due to your prior back injury. They will employ this tactic in an effort to refute your assertion or minimise its worth.
To further stall your claim, the insurance adjuster could also ask for records or information that they already possess.
In a Car Collision? Avoid Insurance Company Scams by Hiring a Skilled Attorney Instead
An insurance company will always look for ways to undermine your claims and distort your statements. They have an incentive to undermine your case so that you would accept less or maybe reject it entirely.
You can stay out of trouble with the insurance company with the assistance of an experienced auto accident lawyer. Attorneys are committed to assisting you in securing the financial settlement for your injuries and damages that you are due.
To speak with a knowledgeable auto accident lawyer who can assist you in securing compensation and battling the insurers, dial 11112222. There is no cost or obligation for the consultation, so get started now!