When you are involved in a car accident, the last thing you want to experience is dragging along with your insurance companies. Perhaps you are straining to finance your medical bills and don’t want your insurance company to pile up your stresses.
Unfortunately, this is often the case because some insurance companies tend to employ tactics to force you to either settle for less or get nothing at all! In this article, we will delve into some common tactics to help you better protect your rights and interests.
Delaying Your Claim
Often, people buy time to discourage your course and insurance companies are not an exception. Insurance companies may deliberately delay your claims process, hoping you will become frustrated. They want you to settle for less or even abandon the case.
For example, they might request unnecessary documentation, conduct prolonged investigations, or schedule multiple meetings, all to prolong the process. Moreover, they may intentionally understaff their claims departments to create backlogs and further delays.
Fortunately, these tactics are not out of this world. They are tactics you can easily identify and call out.
Giving You Lowball Offers
Let’s face it. Insurance companies are often desperate to save money, and lowball offers are a tactic so high on their cards. They may present initial offers far below your claim’s actual value, hoping you’ll accept out of desperation or lack of knowledge about fair compensation.
They will probably cite policy loopholes or demand excessive documentation to frustrate and box you into accepting their low offers. They leverage their resources and legal experts to pressure you to settle for these low offers. Remember, insurance companies prioritize profit margins over fair compensation and will try their best to exploit you.
Discouraging You from Engaging Legal Experts
Insurance companies would probably not compensate if it were not the law. The law is their biggest enemy, and they will pull all their tricks to discourage you from getting into contact with top-rated car accident attorneys to help you deal with your case. They will tell you that legal representation is unnecessary, time-consuming, and expensive. However, this is not the case.
The compensation claim procedures are a bit complex, and ordinary people might find it hard to interpret and pinpoint strong points for compensation. Engaging qualified car accident lawyers helps you to simplify these complexities and launch a successful compensation claim.
Qualified car accident lawyers understand the law inside out and insurance companies cannot play them such tricks.
Shifting the Blame on You
Insurance companies are clever and might shift the blame onto you to minimize their liability. They may argue that you were partially or fully responsible for the accident, reducing the amount they’re obligated to pay.
They will probably emphasize alleged negligence or non-compliance with policy conditions. For instance, they may question the accuracy of the information you provided, highlight minor discrepancies, or exploit ambiguities in the policy language. To avert this, provide clear evidence and avoid accepting blame.
Disputing your Medical Treatment
It is not unusual for insurance companies to dispute the necessity or extent of the medical treatment you received. They might argue that certain procedures or therapies were excessive or unrelated to the accident, attempting to reduce compensation for your medical expenses.
They may scrutinize your medical records, consult with their own doctors, or request independent medical examinations to challenge the validity of your treatment.
They can corner you into accepting minimal compensation by casting doubt on the necessity or relevance of your medical care. This tactic enables them to reduce financial liabilities, prolong your insurance claims process, and place additional stress on your compensation claim process.
Acting as if they Care about You
Your insurance company genuinely cares about you as long as you are not involved in an accident. Once you get involved, the pages flip and you move from being an asset to a liability.
However, they are very smart in handling you even as you bother them with your claim. They will probably pretend to be so caring that you end up trusting them and unknowingly getting into a trap.
Initially, they may appear sympathetic, expressing concern for your well-being and promising support. Here, they are trying to give you a false sense of security so that you can trust them and give them time. You already know how good they are in delay tactics. Right? Ultimately, they will drag your case and deny you deserved compensation.
Wrapping up
In conclusion, you must know that insurance companies might employ various tactics to limit or deny you deserved compensation after a car accident. However, if you know these strategies and take proactive measures to protect your rights, you can increase your chances of securing a fair settlement. Don’t let insurance tricks intimidate you-stand firm and advocate for the compensation you deserve. Importantly, always engage a qualified car accident attorney and you won’t struggle to navigate the insurance claim process effectively.
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