Don’t Be Fooled By These Insurance Adjuster Tactics To Get Out Of Paying A Fair Settlement For Your Auto Accident!
If you have been in an auto accident and the other driver is at fault, their insurance company will be calling you. As the injured party you deserve to have fair compensation to cover your lost wages, medical bills, and ongoing treatment from the accident. In contrast the at fault driver’s insurance adjuster’s primary goal is to protect their employer’s interests. It is their mission to pay you as little as possible or even nothing. These insurance adjusters are well trained and will use some shady tactics to get out of paying.
Common Tactics Used By Insurance Adjusters
Some tactics these adjusters use help them to reduce your pay out such as:
● Calling within 24 hours, while you are still hurt, in disbelief, and not even sure just how badly injured you are. This tactic is to engage you while you are vulnerable and trick you into saying things that you don’t mean.
● Asking for a recorded statement right away. In most cases, the claims adjuster will record you to use as a tool against you. For example they may ask how you are feeling and what injuries you have before you have even followed up with your physician to determine the long term effects of your injuries. Down the line they will use this recording as evidence to argue you are lying about the severity of your injuries.
● They will ask you to sign authorization for medical release. The average person as they need to sees this as a way for the insurance company to obtain medical bills and your prognosis to assist in your payment. In fact, insurance adjusters will use those authorizations to obtain any and all medical records and doctors that you have ever seen. This is done to try and find any prior injuries, pain, or treatments to argue there is a pre-existing condition and therefore your injuries were not related to the car crash.
● Offering a quick settlement to pay you less than you deserve. Once you agree to a settlement, if you develop problems at a later date or find it did not cover all of your ongoing medical expenses, you cannot ask for more money.
Remember the primary objective of adjusters for insurance companies is to get you to sign off quickly and for minimal amount of compensation. They also do this so you do not to hire an attorney to protect your interests
Why You Should Always Hire An Attorney After An Accident
By hiring an attorney, you are leveling the playing field. An attorney who specializes in car accidents will fight to make sure you are not shortchanged. With an attorney by your side, the stress of dealing with the insurance company is greatly reduced, allowing you to focus on healing and getting better, not fighting with the insurance company. Your attorney will ensure that the insurance company will pay for all the immediate expenses related to the accident. Based on the information the attorney and their team gather, they can also determine the long-term costs of your accident. Attorneys are your best line of defense against the tactics of an insurance adjuster.
Will I Have to go to Trial if I Hire a Lawyer?
Once the insurance company has been notified that an attorney will be representing you for the accident, they will begin to reevaluate the claim knowing that attorneys take cases to trial and it could cost them a higher settlement. Your attorney will gather all the facts and information and send the insurance companies an injury demand letter with a specific dollar amount. In the majority of cases the insurance company will avoid a trial and settle.
If you’ve been injured in an auto accident, don’t let the insurance companies trick you out of a fair settlement. Goldman, Babboni, Fernandez, and Walsh can help! We have over a century of combined experience fighting the dirty tactics of insurance adjusters and can help you get a fair settlement. Call us today for a free case review to learn more!