The biggest misconception in dealing with insurance companies is that they exist to help you and make sure your damage claims are paid and your injury claims get resolved appropriately.
The truth: They truly exist to serve themselves.
Here are a few pitfalls in dealing with insurance companies after you have sustained a loss:
- They do not respond.
People expect the at-fault driver’s insurance to contact them and are surprised when they don’t. There is no follow-up and phone calls are not returned. This is very frustrating for people handling their own injury claims. What do you do when the adjuster ignores you?
Beware of this one. The longer the adjuster can delay, the better chance they have of settling the case for peanuts down the road. Why? Damaged cars have to be fixed, medical bills paid and lost income replaced. They know the longer it takes, the more desperate an unrepresented person will become. Most attorneys will not take a case that is close to the statute of limitations (FYI: Zachar Law Firm is not one of them). Insurance companies delay when a person is handling their own claim, because they don’t know what to do to push their claim forward. As experienced personal injury trial lawyers, we do. Don’t let this happen.
- More information.
Another part of the delay tactic is for an adjuster to make endless requests for more and more records and information. The adjuster will say they can not make a decision until they have all of the medical records. Once they are provided, the adjuster will say that still more information is needed in order to proceed, and so on. The cycle may never end.
- Recorded Statements.
Often, a victim is told that the insurance adjuster cannot proceed unless they have a recorded statement. Good attorneys refuse to provide statements to the adverse company—knowing it is a trick. The adjuster is really just looking to record information they can use against you later. What should you say/not say? You really don’t know (but the adjuster does), and this puts you at an extreme disadvantage. These are calculated, to give the adjusterreasons to pay you less money later on. In truth, giving a recorded statement before you have hired an attorney is the #1 biggest mistake that people make.
- Implying you don’t need an attorney.
An adjuster will say something like “we accept responsibility“ or “our insured was at fault” and you assume that means that the adjuster will be fair and reasonable later. Nothing could be further from the truth. This is part of their design to pay out as little as possible on accident claims. If the adjuster goad a car accident victim to believe that they can handle the case on their own, without an attorney, the insurance company will surely pay less money on the case.
Insurance company adjusters want to either 1) deny your claim outright, or 2) pay as little as possible, and will use these and other tricks to help them do just that. The truth is that you don’t know what to say/not to say, what to give/not to give or what to do/not to do, so why take a chance with your personal injury case? Questions?
Call Zachar Law Firm. The call is always free, so why not take some time to educate yourself before you decide to possibly do it on your own?