Insurance carriers will do just about anything they can to reduce the compensation they pay to car accident victims. Even though insurance companies are required by law to operate in good faith, this does not change the fact that carriers can and will use relatively unscrupulous tactics to keep people from recovering compensation they should otherwise receive to help them move forward after the incident. If you have experienced any challenges posed by insurance carriers after your vehicle accident, we encourage you to reach out to a Port St. Lucie accident lawyer as promptly as possible.
1. Calling Really Soon After the Accident Occurs
Insurance adjusters often call car accident victims shortly after the incident. This tactic is designed to catch individuals off guard, hoping they will make statements that can later be used against them. Adjusters might seem friendly and concerned, but their goal is to get you to say things that downplay your injuries or admit fault. It is crucial to consult with a personal injury attorney before speaking with an adjuster or providing any statements.
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2. Offering Extremely Low Settlements
One common tactic is to offer a lowball settlement soon after the accident. This initial offer is often far less than what the claim is actually worth, particularly if the full extent of injuries and damages is not yet known. Accepting a low offer can prevent you from seeking additional compensation later, which is why it is essential to have an car accident attorney review any settlement offers before accepting them.
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3. Taking Their Time When Processing the Claim
Delaying the processing of claims is another strategy used by insurance companies. By dragging out the process, they hope to pressure victims into accepting lower settlements out of financial desperation. This tactic can cause significant stress as bills pile up and financial pressures increase. Having a lawyer experienced with car accident can help expedite the process and ensure your claim is handled promptly.
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4. Denying Liability for the Incident
Insurance companies may outright deny liability for the accident, even when it seems clear that their insured was at fault. They might argue that the accident was caused by some other factor or that the damage was not severe enough to cause injuries. Denying liability can make it challenging for victims to receive the compensation they deserve without legal assistance.
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5. Claiming Shared Liability
Another common tactic is to claim that you were partially at fault for the accident. In states with comparative negligence laws, your compensation can be reduced by your percentage of fault. Insurance companies use this to their advantage by exaggerating your role in the accident to minimize their payout.
6. Claiming Injuries Were from Something Other Than the Incident
Insurance companies often claim that your injuries were pre-existing or caused by something other than the accident. They may scrutinize your medical history to find any previous injuries or conditions to argue that the current injuries are not related to the accident. This is why it is important to seek medical attention immediately after the accident and to have your injuries thoroughly documented.
7. Asking for Recorded Statements
Adjusters frequently ask victims to provide recorded statements. These statements can be used to find inconsistencies in your account or to minimize the severity of your injuries. It is generally advisable not to provide a recorded statement without first consulting with an attorney, as anything you say can be used against you later.
8. Sending You to Their Own Doctor
Insurance companies may insist that you see a doctor of their choosing for an evaluation. These doctors might downplay your injuries or suggest that you do not need further treatment. It is important to get an independent medical evaluation to ensure that your injuries are properly documented and treated.
9. Encouraging You to Sign a Release Form
Signing a release form from the insurance company usually means you are giving up your right to seek any further compensation related to the accident. Insurance companies may pressure you to sign this form early in the process, but doing so can prevent you from getting additional compensation if your injuries worsen or new issues arise. Always consult with an attorney before signing any documents from the insurance company.
10. Encouraging You Not to Hire a Lawyer
Insurance adjusters may suggest that hiring a lawyer is unnecessary and that it will complicate the claims process. They know that individuals without legal representation are more likely to accept lower settlements and make mistakes that can harm their claim. An attorney can help protect your rights and ensure you receive fair compensation. Make sure to contact an attorney today if you were involved in an accident.
