According to Consumer Affairs, there were 4.2 auto collision insurance claims filed for every 100 drivers in 2021. When you file an insurance claim, you expect a fair process that helps you recover from your losses.
What many people don’t realize, however, is that insurance companies may use tactics to reduce the payout offer or delay the process entirely, using strategies meant to save the company money at the expense of the policyholder. In this blog, we’ll explore what those tactics might be and what you can do to protect your rights.
Read More: The Trouble of Dealing with the Insurance Company
Common Insurance Company Tactics
1. Offering Low Settlements
One of the most common insurance company settlement tactics is offering a settlement that’s much lower than what you deserve. Insurance adjusters may downplay the severity of injuries or property damage to minimize the payout. These early offers are tempting, especially if you need money quickly, but accepting a low settlement leaves you paying out of pocket for bills down the road.
What You Can Do:
- Don’t Accept the First Offer: Insurance companies often hope you’ll accept the first offer out of desperation. Instead, take the time to evaluate your losses and consult with a personal injury lawyer before agreeing to anything.
- Document Your Losses: Keep a record of medical bills, repair costs, and other relevant expenses. This can help you push for a more accurate amount.
Read More: What Should You Say During Your First Conversation with An Insurance Adjuster?
2. Dragging Out the Claims Process
An insurance company dragging its feet is another frustrating tactic used to wear down claimants. By making you wait weeks or even months, the companies are hoping you become frustrated and accept a lower settlement just to move on. The companies may also drag out the process to make it more difficult for you to gather evidence or witness testimony.
What You Can Do:
- Keep Following up with the Insurance Company Regularly: Document all communications, including phone calls, emails, and letters.
- Know Your Rights: In many states, there are laws requiring insurance companies to process claims in a certain timeframe. If your claim is unfairly delayed, you may be able to file a complaint with your state’s insurance department.
Learn More: Tips for Dealing with Insurance Companies After an Accident
3. Denying Claims or Giving Excuses
Insurance companies not paying claims is a common issue many people face. Whether it’s claiming the damage isn’t covered under your policy or saying you don’t have enough evidence, insurance investigator tactics can include excuses to avoid paying.
What You Can Do:
- If your claim is denied, have your attorney request a written explanation detailing the reasons why. This can help you understand whether the denial is legitimate or if the company is simply trying to avoid payment.
- Many insurance companies have an appeals process, so if your claim is denied, take advantage of that option. It’s also a good idea to have a personal injury lawyer review the denial to see if you have a legal appeal.
4. Using Insurance Adjusters to Pressure You
While some insurance adjusters may be fair, others might use aggressive tactics to get you to settle quickly or accept a low offer.
What You Can Do:
- Remember, adjusters are trained to settle claims for as little as possible. Stay calm and don’t rush. This can pressure you to settle before you’re ready.
- A personal injury lawyer can help you navigate the process, communicate with adjusters, and ensure you’re not being taken advantage of.
5. Using Your Own Statements Against You
Another common tactic by insurance companies is to use your own words against you. They might ask seemingly harmless questions about the incident, only to use the answers to later deny your claim or offer a lower statement.
What You Can Do:
- Before speaking to an adjuster, it’s wise to consult a lawyer. You don’t want to say something that could be used to undermine your case.
- Avoid giving recorded statements without legal counsel, as your words can be twisted and used against you.
6. Blaming You for the Accident
Shifting the blame is another common tactic used by insurance companies. They may claim you were at fault for the accident or that you contributed to your injuries by not following proper procedure.
What You Can Do:
- Evidence is key to proving you were not at fault. Keep all records, such as photos, witness statements, or police reports, to prove your case.
- If an insurance company tries to shift the blame to you, work with a lawyer who can help you challenge the claim and protect your interests.
How a Personal Injury Lawyer Can Help
If you’re struggling with the insurance company tactics, a personal injury lawyer can be an asset. They can help:
- Fight insurance companies
- Negotiate a fair settlement
- File an appeal or lawsuit
- Protect you from common tactics used by insurance companies.
If you or a loved one is working to file a personal injury claim and is running into trouble, call a personal injury accident lawyer. We can help you better protect your interests and ensure you receive the compensation you deserve. Contact our office today to set up a free consultation.