If, after a car accident, you are left feeling as if you are being played by the at-fault party’s insurance company, you may be justified in feeling that way. There are many tips, tricks and dodges for insurance companies to avoid paying claimants the true value for their claims. Their first priority is not your best interests. It is their company’s profit margin.
The first thing to understand is that the insurance company wants to pay you as little as possible, which is why they low-ball their first offer, hoping you will take it. If so, they can close out the file and move on. But there is always room for negotiation when dealing with an insurance company.
Insurance adjusters also use delaying tactics to stall claimants. If they get discouraged and desperate enough, they will likely accept any offer they receive. Denying claims, or parts of claims, is a common trick, too. The adjuster may allege that a claimant is malingering, or that a pre-existing condition is the source of his or her pain instead of the car accident. For a layperson, this can be very difficult to refute. They can wind up being stuck with a pile of unpaid doctor or hospital bills.
If you find yourself getting the runaround by an insurance company after you make a claim from an auto accident, you may have to retain a personal injury attorney. He or she can then file suit on your behalf before your case proscribes and you no longer have any legal recourse to seek compensation for your injuries and damages.
Source: Disabled World, “Tricks Insurance Companies Use Against Car Accident Victims,” accessed Nov. 18, 2016