If you’ve been injured in a wreck, remember this: Insurance adjusters are not your friends. Figuring out a way to devalue your claim is what they do for a living.
With that in mind, here are some of the favorite tactics in use by insurance companies:
1. The good-guy approach
Sometimes the insurance adjuster figures that they have to pay you something, but they try to limit the amount by being so friendly and helpful that you start to trust them. By the time they get around to giving you a low ball offer, you’re convinced that they’re doing the best that they can on your behalf. The whole goal is to get you to sign off on a poor settlement before you ever talk to an attorney.
2. The red-tape approach
Sometimes insurance companies will just drag their heels on a claim. It gets lost on a desk, routed to the wrong office or otherwise delayed at every step. The goal here is to get you to either give up the claim entirely in frustration or eventually settle for a much smaller amount than you are due just to be done with it.
3. The suspicious approach
If your claim is very large because you’ve suffered permanent injuries, don’t be surprised if you’re treated with hostility and suspicion by the insurance company. They may ask you to turn over piles of medical records to prove that your condition wasn’t pre-existing and spy on you. The goal is to get anything they can on you to make it seem like your claim isn’t valid or you aren’t as hurt as you claim.
Car insurance claims are often more complicated than most people realize. Take the necessary steps to protect your interests from the very start. Please continue to review our site to learn more.