Getting The Better Of Insurance Companies
When you are injured in an accident, you stand an excellence chance of getting injured a second time — when the insurance company finds ways to deny or sharply diminish your claim.
Here are some of their standard ploys, and what you must do to overcome them:
- They Will Assure You That They Are On Your Side
Insurance isn’t really what people take it to be: an institution that pays for legitimate claims. In reality, it is a business that will do anything to avoid paying claims. Their mission is not to help you when you are injured; it is to make a profit for their shareholders. Though they owe a fiduciary duty to their own policyholders, you do not matter to them. Money they do not pay you fattens their bottom line.
- They Will Try To Settle With You On The Cheap
Insurance companies will come to you in a friendly spirit and propose a quickie settlement, to avoid a “legal hassle.” They will offer you a small amount to put this business behind you. Don’t fall for it. They are not interested in your interests. They want to keep you from hiring a good lawyer who will make them write a much bigger check.
- They Will Try To Get You To Betray Your Own InterestsClaims adjusters will ask for an interview with you, to hear “your side of the story.” Be afraid! If they can get you to undermine your own case, they will gladly use it against you. Tell them, “Talk to my lawyer.”
- They Will Say ‘This Is Our Final Offer’
An experienced attorney knows better.
- They Will Hide Behind Complexity
They will slow the process down to a crawl, because it is in their interests to do so. And you, not being a lawyer, have no idea which excuses are legitimate and which are bogus. An experienced lawyer knows how to cut through this red tape. Insurance companies know that, if they drag their feet, a good lawyer will file a lawsuit on your behalf. If you have ever bought a used car, you know the excuses, distractions and baloney an insurance adjuster can throw your way. That’s why it’s always best to work with a lawyer with a solid track record of holding insurance companies to account.
Get Help Dealing With Insurance Companies
Contact our office to discuss your injury claim. We offer a free initial consultation where you can get honest answers to your questions and learn more about your legal options. You can reach us by phone at (916) 357-6767 or send us an email to schedule an appointment.