How To Deal With Insurance Companies
Insurance Companies Love Gambling
How To Deal With Them Effectively
Insurance companies are very fond of gambling. When they issue a policy, they are betting on the fact that the insured will not have an accident and file a claim. Spending less to pay claims than the amount they receive monthly for premiums is the way they make a profit. Especially when it comes to auto insurance. Since everyone is required to have insurance, and only a fraction of policy holders actually have accidents. As a result, you would believe that insurance companies will pay out legitimate claims with some of the profits they make.
Incorrect! For American corporations, there is no such thing as too much money. In our experience, they will stop at nothing to deny legitimate accident victims and avoid giving them the compensation they deserve/ Here are a few of the tricky things insurance companies will do when you are in the process of filing a claim.
They Will Call While You Are Still In Shock
They Know That You Are Confused And Hurt
Car accidents, slip and fall incidents and dog bites to name a few, are all traumatic experiences that can lead someone to become shocked. While their bodies are attempting to handle the injuries that were sustained, the brain is not able to cope and think straight. People who have had head injuries are especially at risk from this tactic. People who have been in accidents are in no shape to sign documents or make statements that are legally binding/
Insurance companies are aware of this, and they will make an attempt to take advantage of people who are still in shock after being involved in an accident. We have seen them call victims a few hours after an accident, and that is never a good thing. In many cases, they want to get statements in their favor from the victim. They are also known for coming to the door with a check and a release, which is a great way for them to make a claim disappear without investing too much money. Insurers try to catch their victims when they are at their most vulnerable, and the results can be quite tragic.
They Will Try To Twist Your Words
Adjusters are trained to sound personable and friendly over the telephone. Here are some of the statements they tend to use when they are calling you about a claim and attempting to sound friendly.
“The accident wasn’t that bad, right?”
“You sound like you are doing okay!”
“You are very lucky that it was a low-speed impact.”
“It is great that you were not seriously injured!”
“So, you are not really clear about what happened right?”
“It sounds like there wasn’t much damage done to any of the vehicles involved.”
Normally, people who say things like this do so out of genuine concern for those who have been in accidents. When you are dealing with a claims adjuster, keep in mind that they are trying to pay out as little as possible, and they will probably twist your words. Their job and subsequent promotions are based on you taking a small award and allowing them to get away with being unfair. That is terrible, right? The worst thing is the fact that they are trying to trick someone who is still trying to handle their injuries, regardless of the cause.
Are you Injured? You Have Rights
They Make Unrealistic Promises To String People Along
After you have given a statement, they will tell you that the only thing you need to do at that point is to relax, do as the doctor advises and sign some medical authorizations. They will assure you that everything will be fine.
This will change as soon as settlement talks begin. They will start mentioning all types of issues with your claim, like missed medical appointments and a lack of serious injury. They will deny any promises that they made to you, even though they seemed so nice and friendly in the beginning. In most cases, they will make an offer that is not substantial enough to cover your medical expenses and lost wages. Insurance companies do this since they know that the amount of money and risk that is associated with litigation is intimidating, and people will be willing to accept even the lowest offers, despite the seriousness of their injuries.
The best way to stop this from happening would be to get in touch with an attorney right away. An experienced litigator will help you avoid all of the negatives that generally come with injury claims. The Law Offices of Max G. Arnold work hard to get clients the best possible settlement, while helping them avoid all of the expenses and risks that are associated with litigation. If you need a personal injury lawyer and you are in the Cottonwood, Redding, Anderson, Red Bluff or Shasta Lake area, you should call us today.
In the meantime, if anyone from an insurance company calls you, tell them this:
“I have just been hurt in an accident and it is not a good idea for me to talk now.”
After you say that, hang up the phone and avoid making any statements without a lawyer.
What Should I Do While Seeking An Attorney?
If you or someone you know has been hurt, we suggest that you do the following:
Go to a medical facility right away, and follow all of the doctor’s orders. You should mainly be worried about the extent of your injuries, and what needs to be done to treat them.
Let your insurance company know that there has been an accident. Inform them of any medical bills, uninsured/underinsured motorist insurance and any other coverage you may have. Do not speak with anyone who calls from the insurance company of the responsible party.
Hire Max G. Arnold today if you want a personal injury attorney that will help protect your rights!