They’re not Your Friend.
It’s the age old tale – you were hit by another motorist and your vehicle was totaled. It’s the other motorist’s fault, and now you’re trying to deal with the damage and injuries that coincide with the collision. Insurance adjusters’ main priority is always in protecting their own fiscal interests. Read further on some common strategies adjusters will use to prevent you from receiving adequate compensation from the collision.
Here’s What Adjusters Don’t Want You to Know
- They don’t work for you.
- They’re for-profit corporations.
- They know their settlement is too low.
- It’s safe to assume their first offer is significantly less than you are entitled to.
- They plan on using your statement against you.
- Their friendly approach is a deception tactic.
- Their job is literally to prevent you from getting the money you deserve.
- They are legally responsible for assessing your claim in “good faith.”
- “Good Faith” refers to business in an honest, reasonable, and fair fashion. This is how they should assess your claim.
- They are probably embellishing the urgency of your claim.
- Do not fall for the idea that a settlement is a limited time offer. Do not let them rush your claim.
- They are 100 percent capable for paying you a lot of money.
- You deserve compensation for your loss and suffering. Keep the expectation that the insurance company is fully able to meet their obligations.
Insurance companies maintain a financial interest in the protection of their client and protection of their own financial interests. In order to reduce claims they pay, they must deny claims made. Some practices adjusters use to bring your settlement down involve things such as:
- Speaking with your doctor.
- Using pointed, closed-ended questions that do not allow follow ups of the complexities. This makes downplays an individual’s injuries.
- Independent medical examination
- Companies only a specific doctors to perform an exam and follows a particular set of rules. Attorneys feel these exams are biasedly in favor of whoever is paying for them.
- Video surveillance.
- Some companies hire private investigators to follow and report on the insured’s claims.
- Social Media.
- It is important to remember to censor all your accounts. Avoid placing any details of the collision online.
- Calling right after the accident.
- You have just been through significant trauma and are not in the right headspace to speak to an adjuster.
- Recording statements.
- Adjusters look for keywords and phrases to use against you.
- Quick settlement.
- Adjusters disguise quick settlements as “sweet and to the point,” yet fail to provide adequate funds for long-term injuries and property damage.
- Medical authorization.
- This authorization is for ALL medical records, not just after the accident. They’ll use your previous medical history as the root cause of your injuries.
- Disputing medical bills.
- Denying liability.
- Adjusters will use property damage to determine how hurt the motorist is. In their eyes, minimal property damage must equal minimal injuries.
- Misrepresenting the law.
- Only a personal injury lawyer can tell you what is fair in situations like this.
- Delay tactics.
- When all else fails, you may suddenly find your agent is now difficult to get ahold of. Keep in mind the statute of limitations for your claim.
Even when individuals are proactive with the proper insurance, a car crash can leave victims feeling like it’s them against the world. While individuals do have a contractual obligation to cooperate with their auto insurance company, it is in your best interest to not give a recorded statement without the advice of a personal injury lawyer.
When the other motorist’s auto insurance company reaches out to you after an accident, the impression may be that they’re working hard to get to the bottom of things and understand the situation in complete detail. It may lead you to believe the insurance company has genuine intent to help. Unfortunately, this is not the case. Insurance companies are always for-profit. They can and will hold what you say against your claim in order to determine the lowest possible settlement. So, how do you communicate with the other motorist’s insurance company?
To put it simply: you don’t. Under no law is there any legal obligation for an individual to speak to the other’s insurance company.
Why You Need A Lawyer
Do not let the insurance company undermine your case. Speaking with the insurance adjuster gives them the opportunity to manipulate the situation and offer less than you have entitlement to. If you do talk to the other driver’s insurance adjuster, and they want to record the conversation, do not authorize them to do so! Your best course of action is contacting a lawyer to avoid giving a damaging statement.
Furthermore, after an accident takes place, the individuals involved do not know the entirety of their medical situation, or property damage. Speaking with an adjuster too soon after an accident can give an inaccurate portrayal of injuries and other damages.
Contact us at Angel Reyes – Reyes Browne Reilley for a free consultation
At the end of the day, most car crash victims are not insurance adjusters or attorneys. The average joe does not possess the particular knowledge associated with insurance companies’ motives and intentions. It is critical individuals understand what their rights are after a car wreck. Knowing how to best handle the other motorist’s insurance company is crucial to avoid manipulation tactics.
If you or a loved one are suffering injuries from a car wreck to no fault of your own, our attorneys at Angel Reyes – Reyes Browne Reilley Law Firm are here to help. A car wreck lawyer could allow you to secure financial compensation for your injuries. We maximize your potential to recover every single penny you deserve. To learn more, contact us immediately for a 100% free consultation. Tap above to call us or submit a form here now.