After a car crash, dealing with insurance companies can be as stressful as the accident itself. While it may not always be the case, many insurance companies will attempt to minimize your claim or deny it altogether.
Understanding the common tactics insurance companies use can help you handle them effectively and ensure you receive the compensation you deserve.
Extending quick settlement offers
Insurance companies often reach out to accident victims immediately after an incident. This might seem like a caring gesture, but it’s usually a tactic to settle the matter quickly and inexpensively. They do this to minimize the payout before you identify and know the full extent of the damages and injuries of your accident.
In cases like this, politely decline any quick settlement offers and consult with a personal injury lawyer to understand the full value of your claim.
Requesting for recorded statements
Another common strategy is requesting for a recorded statement. Insurers may claim this is a standard procedure, but it can often be used to twist your words against you. They might use your statement to find inconsistencies or anything that can reduce their liability.
That said, avoid providing a recorded statement without a thorough review of the situation and advisably, legal advice.
Using complex Language and delaying tactics
Insurance adjusters might use complicated legal or medical terms to confuse you or delay your claim processing. This tactic aims to discourage you from pursuing the claim or to lead you to accept a lower settlement.
Always ask for clear explanations and keep records of all correspondence. Persistent follow-ups can help keep your claim on track.
Know whom to trust
Insurance companies are businesses looking to protect their bottom line, and knowing their tactics can make all the difference in your recovery journey. It is best to stay aware and cautious. If necessary, consult a legal professional who can guide you through the process and help secure the compensation you deserve.