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How Your Insurance Provider Might Work Against You

When you signed up for your insurance policy, they may have promised you the world. Insurance providers will likely claim they’re in your corner, and until you’re in a position to require their help, you may fully believe that they are. While some insurance companies make good on this promise and make the process after an automobile accident injury simple, others will not, and it pays to know what to do and what to look out for. Your personal injury attorney will be in your corner after an automobile accident, protecting you from what insurance providers may do to make your case more difficult.

It’s important to remember that insurance companies are businesses, and like all businesses, their top priority is to protect their own bottom line. Ideally, for them, their policyholders will continue to pay their premiums and never require compensation, so their premiums turn to profits and not to payouts. Unfortunately, accidents do happen, and this is where things can get messy with some insurance providers.

In some instances, an insurance provider may try to deny liability for your injury, and this can be done in many ways. In the state of Florida, an injured motorist, regardless of fault, will seek compensation from their own insurance provider, and insurance providers may put small stipulations into policies that make this difficult. Additionally, if you have a history of previous injury in the same area that was injured in the accident, an insurance provider may deny liability citing an aggravation of a previous injury that they are not responsible for.

Liability denial can be devastating to injured motorists who fully expect their insurance providers to back them up when they need them most, and this is why it’s so important to fully understand your policy and seek medical attention right away. Regardless if you believe you’ve been injured or not, seeking medical attention immediately after an accident will catch any injuries you don’t know you have, and assess you medically as your physical state relates to the accident you’ve just experienced. Essentially, seeking medical attention immediately following an accident is a great tool to use against a denial of liability.

Another way insurance providers may work against you is by denying the severity of your injury. If an injury isn’t as severe, it won’t be as costly, and this means the settlement you receive will be less than what you claim to need. Downplaying the severity of injuries can be done in many ways, and insurance companies may go to great lengths to “prove” that you’re not as hurt as you claim. The best way to combat this tactic is to stay off of social media, only speak about the accident with your personal injury attorney, and to document fully all medical attention and treatments you’ve received.

Lastly, insurance providers may try to ignore or “lose” key pieces of your evidence. By not having enough evidence to back up your accident, your claim could be lessened or tossed out altogether. For this reason, always collect as much evidence as possible, and keep on hand copies of all evidence you’ve collected. Your southwest Florida personal injury attorney will be able to walk you through the evidence collection process, and ensure you have everything you need to build a strong case for your claim.

If you’ve been in an automobile accident in the state of Florida, your personal injury attorney will be your best defense against any insurance company tactics. To learn more about what your auto accident attorney in southwest Florida can do for you after an accident, contact us at today.

Michael J. Babboni's wide-ranging legal career is based on the strong belief that everyone should be treated fairly and have access to effective legal help. Michael began putting his beliefs in action by helping the people of St. Petersburg Florida get what they are owed in civil trials fighting to protect families by making corporations pay, and honor their obligations.

How Your Insurance Provider Might Work Against You

Goldman Babboni Fernandez
Murphy & Walsh

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