Tricks Used By Insurance Adjusters to Lower Your Claim’s Value
It is normal for a car accident victim to have their mind racing with questions like “who will repair my car?” or “how am I going to pay for my treatment?”. Although we might think that letting insurance companies deal with the aftermath of the incident to get our monetary compensation, you should know that this can hurt your claim rather than helping it.
In our experience, blindly trusting an insurance adjuster is one of the worst ways to go about a personal injury claim, especially if you were the victim of grave injuries.
Normally, insurance claim adjusters will try to use a dirty playbook to lower your rightful compensation and get rid of the personal injury claim as far as possible.
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We’ve all seen commercials and advertisements for big insurance carriers talking about how they are on their client’s side and how your well-being is the only thing they care about. This couldn’t be farther from the truth.
Insurance adjusters and companies will try to aim for a quick settlement offer then pay you the bare minimum they can as your compensation. The goal of insurance companies is not to help you, but to make money on premiums and commissions from settling accident claims.
When you get in an accident, be prepared to get bombarded by underhanded tactics from adjusters, as they will try to persuade you to settle for the compensation you don’t even deserve.
Our expert car accident lawyers have prepared for you a list of tactics and tricks commonly used by insurance adjusters to lower your compensation amount so you can be informed and make the correct decisions in case you ever get in a car accident.
Most common tricks used by insurance companies
1. Try to make you admit fault even when you had none
Insurance companies know that you will be in a difficult emotional state after an accident. It is normal to feel somewhat guilty after an accident even when it wasn’t your fault.
Insurance adjusters will try to take advantage of this. They will deny your claim then coerce you into admitting you were at fault or at least partially responsible for the accident.
The way adjusters play the blaming game is by asking seemingly innocent questions like “What could you have done to prevent the accident?”.
That way they will find ways to make you contradict yourself and even make you look as if the accident was your fault.
2. Tell you that you don’t need a lawyer
It is known that insurance companies fear lawyers getting involved in a personal injury case. Getting an experienced attorney involved in your case quickly is a surefire way to guard yourself against all the tricks and tactics insurance companies use to lower your compensation.
Just as well, with a personal injury attorney by your side, you will receive the maximum compensation for your injuries, contrary to just letting insurance adjusters handle your claim and compensation.
3. Getting recorded statements
Adjusters will try to rush you into a conversation, and while it is necessary for them to get the facts and information of the accident, it can also be used as a tool to get an unfavorable admission so your claim can be lowered.
Never give any information aside from what is necessary, and if you can wait to get an attorney involved with your case before you give any statements it will be better for you in the long run.
4. Request signed authorization to go over your medical records
Getting their hands on your medical records can be another way insurance adjusters will try to deny liability for their insured.
It is not uncommon for them to request authorization to see records completely unrelated to your accident to try to tie past conditions to your present injuries and minimize your compensation for the medical bills as a result.
Another way they use your treatment against you is by recommending an Independent Medical Exam. Which far from being independent, will be normally conducted by a physician recommended by the insurance company and used against you.
Always be careful about what the insurance adjusters ask you to sign, it is better to wait until your personal injury attorney has reviewed your case and can handle all the legal procedures to protect your claim from this kind of predatory tactic.
5.Putting surveillance on you:
One of the most egregious tactics insurance companies use to minimize a victim’s injuries is putting surveillance on you.
Just having someone stay around in front of your house to watch you pick boxes or do trivial stuff like mowing your lawn can be a weapon for them to say you aren’t as gravely injured as you claimed.
Surveillance plays got even worse with the advent of social media, it is not uncommon now for insurance agents to comb through your social media feed like Facebook, Instagram or Twitter, to try to find some incriminating evidence to deny your pain and suffering.
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Avoid getting tricked by insurance companies with the help of a personal injury lawyer
Being a victim of a car accident is stressful, and dealing with all the paperwork, treatments on top of having to fight insurance companies to get the rightful compensation you deserve can put a toll on your mental health.
Know that you aren’t alone in this, our lawyers have years of case evaluation experience dealing with insurance companies and winning the maximum compensation available for our clients.
We have the needed expertise to help you fight against these underhanded tactics commonly used to lower your compensation. If you or someone you know has been injured in an accident, get in touch with Farahi Law Firm, APC.
We are determined to get you the medical treatment you need and win for you the maximum compensation you deserve. Without you spending a cent out of your pocket. No fees unless we win! Contact us today at (844) 824-2955 for a free consultation on your case.