Following a car accident, many individuals turn to insurance companies for financial assistance. However, it often becomes clear that these companies are not primarily focused on supporting injured policyholders. All too frequently, they deny claims or present lowball settlement offers in an effort to safeguard their own profits.
This approach persists because insurance companies deal with individuals who are navigating a difficult and overwhelming time, often with limited understanding of how the claims process functions.
Relying on an Adjuster for Coverage Details
Many drivers have never thoroughly reviewed their auto insurance policy, and even those who attempt it often struggle to understand the dense legal terminology. While consumers may not grasp the intricacies of their insurance documents, professionals trained in insurance law do.
If you reach out to an agent, adjuster, or representative for clarification, they are required by law to provide certain disclosures, but only if prompted. They may highlight sections detailing your coverage, but they could just as easily overlook clauses that contradict or limit what they’ve explained.
Agreeing to a Rapid Settlement
Insurance companies are aware of the stress you’re under. They know what settlement amount to propose that might appear attractive enough for you to accept. However, they also know it’s less than what you’re truly entitled to. Once you agree to cash that check, they are no longer responsible and can close your case.
Remember that with serious injuries, you might need additional treatment such as physical, vocational, or occupational rehabilitation. You could also face ongoing medical issues requiring long-term care, or even have setbacks during the recovery process.
It’s impossible to determine the true worth of a settlement until your recovery is complete. Agreeing to a quick settlement without factoring in future medical costs could leave you responsible for those expenses down the line, covering them out of pocket. Read more about how you can recover compensation if you’re injured in a car accident.
Sharing a Recorded Statement
An insurance adjuster may claim they need a statement from you to handle your claim, but you are not legally required to provide one to the at-fault driver’s insurance company. While you must cooperate with your own insurer, it’s wise to avoid being recorded or signing any documents from the other insurance company.
Adjusters might attempt to minimize your injuries, sometimes by casually asking how you’re feeling. A common tactic is to call and ask, “How are you?” Many people instinctively reply, “I’m fine.” They may follow up days later, hoping for a positive response to use against you.
Allowing the Insurance Company to Delay Progress
Certain insurance companies might claim they are actively processing your claim when, in truth, they are deliberately delaying the process to discourage you. They may request extra documentation, like receipts, or state that the claim is under review. Their objective is to either wear you down into abandoning the claim or push you into accepting a settlement that’s far less than what you deserve.
Such stalling tactics are a form of bad faith, and having a lawyer on your side can ensure the insurance company is held accountable and your claim is resolved fairly through firm negotiation.
Endnote
Submitting a car accident claim can be challenging, and mistakes may weaken your ability to secure the compensation you deserve. To build a stronger case, avoid common pitfalls like putting off medical care, accepting blame, or rushing into a settlement.
