Have you been involved in a vehicle collision and you’re wondering how to go about filing an insurance claim? It’s not every day that you have to deal with the aftermath of a vehicle collision, so the process can be intimidating, confusing, and overwhelming.
Whether you are filing a claim with your own insurance provider, or you want to file a claim with the at-fault party’s insurance company, you need to be very careful with insurance adjusters.
To get the compensation you deserve for your car accident injuries and losses, you may want to know a little more about insurers’ negotiating tactics, so you can beat them at their own game.
Insurance adjusters can be so tricky that you may want to hire a lawyer to help you with this process, because auto accident attorneys can negotiate for you. That way you don’t get taken advantage of by those with a little more experience handling insurance claims—insurance representatives.
Below, let’s go through some of the tactics you need to watch out for when dealing with insurance representatives.
What are Some of the Ways Insurance Companies Try to Lower the Value of Your Claim?
Insurance companies have a myriad of tricks up their sleeves when it comes to reducing the payouts they make to accident victims. They may use one or more of the following strategies on you:
- Try to record a statement from you so that they can use it against you later.
- Offer you a fast and low settlement. They know that you just want to put this accident behind you and they hope you’ll jump at the first offer, even though it’s typically far below the value of your claim.
- Try to deny your claim or deny that their insured was involved in your accident.
- Deny your injuries, claiming that they’re not as serious as you’re trying to make them out to be.
- Threaten to reject your claim and take you to court. This is an intimidation tactic meant to scare you into not filing at all, or into accepting a low payout.
- Refuse to pay you for a part of your claim.
- Reject your claim altogether and take you to court, hoping that your evidence won’t be enough to win at trial.
What Can You Do to Keep Insurers from Taking Advantage of You?
The first thing you should do is hire a car accident lawyer. Lawyers are experienced in handling car accident cases and they will prevent you from doing or saying anything that will harm your case.
They can actually negotiate with insurance companies for you, so that you won’t even have to talk to them at all. Finally, a lawyer can take your case to court, ensuring that you really do receive the full compensation that is fair for your case.
Next, you shouldn’t answer the insurance companies phone calls; not without speaking with an attorney first. The insurance company wants you to talk with them so that they can convince you of what they think your claim’s value is. They also want to record your phone calls and, basically, allow the entire claims process to operate on their terms.
If you deal directly with the insurer, then they get to call all the shots—not you. Don’t let them win this game—beat them at it. It’s your compensation. Fight for it.