Be Prepared for the Insurance Company’s Tactics After an Auto Accident
After a car accident, one of the most crucial steps you’ll take is dealing with your insurance company’s. However, the process may not be as straightforward as it seems. Insurance companies, while necessary for coverage, are also businesses trying to minimize their financial liability. It’s essential to be prepared for their tactics and to know how to handle them effectively.
1. Understanding the Lowball Offer
One of the most common tactics insurance companies use is offering a low settlement initially. They may present a quick offer to get the case settled before you have the full picture of your medical costs, property damage, and lost wages. This initial offer might seem attractive, but it’s often far below what you’re entitled to receive.
What to Do: Never accept an offer immediately. Consult with a lawyer to evaluate the full scope of your damages, including any future medical treatments or lost income.
2. The Delayed Response
Insurance companies may delay responding to your claim or requests for documentation. This tactic is designed to create frustration and pressure you into accepting a less-than-ideal settlement.
What to Do: Be persistent but professional in following up on your claim. Document every communication with the insurance company. If necessary, enlist the help of a lawyer to handle communications on your behalf.
3. Using Your Words Against You
Insurance adjusters may try to manipulate your statements during phone calls. They might twist your words to suggest you were partially at fault for the accident, or they may claim your injuries were not as severe as they are.
What to Do: Be careful about what you say to insurance adjusters. Stick to the facts and never admit fault. It’s best to have your lawyer speak to the insurance company on your behalf to avoid unintentional statements that could harm your case.
4. The “Out of Context” Medical Records Tactic
Insurance companies may scrutinize your medical records to look for any inconsistencies or gaps in treatment. If they find something, they could use it against you, claiming that your injuries aren’t as severe as you state.
What to Do: Ensure that all medical appointments and treatments are well-documented. If there are gaps in treatment, explain them to your lawyer, and make sure they are accounted for when submitting records to the insurance company.
5. Settlement Pressure
Sometimes, insurance adjusters will try to push you into settling quickly, especially if they think you’re unaware of the full extent of your damages. They might suggest that the settlement is the best and final offer to make you feel like it’s your only option.
What to Do: Don’t feel rushed into settling. Take your time to evaluate your options with a lawyer, especially if you are unsure about the long-term consequences of your injuries.
Conclusion
Dealing with insurance companies after an accident can be tricky. Being aware of their tactics and knowing how to respond can help ensure you don’t get taken advantage of. If you’ve been involved in a car accident, consult with a skilled personal injury lawyer to protect your interests and navigate the claims process with confidence.