Victims of car accidents will always have an uphill task of claiming the just and deserving coverage from their insurance companies. Unless an accident is severe and a victim has suffered extreme injuries, there is irrefutable video proof or accounts of eyewitnesses to establish the fault of the other driver, and other pressing circumstances such as media scrutiny in rare instances, the claims process will always be managed by adjusters representing the insurance companies and they will always try to reduce the coverage amount as much as possible. Insurance companies would be content if they can completely turn down a claim and pay nothing.
Trick: Pretending to be your friend
One of the first tricks insurance companies use against car accident victims is pretension. The representatives of insurance companies would pretend to your best friend. They would be warm and compassionate, forthcoming and helpful, gentle and friendly, pledging full cooperation and proactively offering their expertise to act as your representative.
All of these attributes and actions are a consequence of the professional training these adjusters undergo and acquire over a period of time. They would undergo a transformational flip and you would suddenly discover the rude reality that they took advantage of you, by pretending to be on your side, to effectively offer you a raw deal.
Trick: Attorneys aren’t needed
Most insurance companies and their representatives will tell accident victims that they do not need any personal injury lawyers. Insurance companies or their adjusters do not like to deal with any accident attorney. Personal injury lawyers have experience of what the adjusters are capable of doing and usually do to car accident victims.
A good accident attorney knows the right and the wrong courses of action and follow-ups. Hence, accident victims should look for a good personal injury lawyer at the outset. Adjusters would often ask victims of car accidents to provide a recorded statement. They usually ask for a full medical history. These may seem to be reasonable requests but they are not.
The adjusters will use your recorded statement and medical history against you. The recorded statement cannot be tweaked later. Something in your medical history that dates five years back is irrelevant now but adjusters will find a way to use it against your claims.
Trick: Delay tactics
A common trick is delay. Insurance companies often demand recorded statements, full medical history and the lack of intervention by an accident attorney, citing that they can expedite the process. Soon enough they would turn around and say that the materials submitted are delaying the approval process as everything is being assessed. The more time an adjuster takes, the worse it gets for victims of car accidents. Delays make accident victims more desperate and their financial liabilities compel them to accept a lowball offer.
Trick: Ask for more information
Insurance companies often do not respond in time. They keep asking for more information. The adjusters may try and lead you to believe in some processes that do not matter, some clauses that do not exist or tweak the whole case in a way that you seem to be partially or fully at fault. Adjusters often discount or dispute medical expenses, they dismiss or quest the severity of the injuries, insist on negotiations for settlement offers and they even spy on accident victims to try and find something that can be used against the claims.
Anyone who has been in any type of traffic accident, whether it was a car accident, truck, bicycle, or pedestrian, should always check with a lawyer who focuses on personal injury law to see if they have a case, and if they can receive compensation.