It is no secret that insurance adjusters and insurance companies do not want to put your best interest first. At the end of the day, it is all about money, so they will try to give you the smallest amount of money they can regardless of what you deserve. When dealing with insurance companies, it is important that you have someone who represents your best interest working for you.
At the Law Office of Julie M. Essa, LLC, we will fight the insurance companies for you. We can get you the maximum recovery that you deserve. Our attorneys are familiar with the insurance companies and all of the tricks used by them to cheat you out of money.
Here are some issues we see with insurance adjusters every day.
Insurance companies want to pay out as little as possible on any claim.
The insurance adjusters’ job is to save as much money as they can for their respective company. Even if you are hurt, their job is to pay as little as possible for your claim. Claims adjusters are negotiators who have developed a variety of tactics to resolve claims while paying out as little compensation as possible.
Even when they “accept liability” this only means they will offer you the lowest amount possible for your damages and injuries
Sometimes an insurance adjuster will state that the company “accepts full responsibility” for the accident. This may occur in situations where liability is clear, such as when the insured was drunk, texting or driving, or clearly breaking a traffic law at the time of the accident.
People are often relieved to hear this from the adjuster, believing that they will be treated fairly. They may even decide not to hire a lawyer because they have gotten the insurance company to approve the claim. However, what they do not know is that the offer the claims adjuster makes may be the lowest amount possible.
You do not need to give a recorded statement or answer any specific questions
The insurance adjuster will probably ask you to make a recorded statement about the accident. However, avoid this – especially when you do not have the assistance of legal counsel. The insurance company will carefully dissect your recorded statement for anything to use against you or take out of context to reduce the value of your claim. You can simply respond “no” to any request for a recorded statement.
They may also ask you specific questions about what you think happened for other parties of the accident. Be polite but decline. Do not provide answers to questions when you do not know the facts. Do not speculate or give your opinion as to what you believe happened, or who you think is to blame. Speculative statements could serve to hurt your case. The adjuster could later use it as evidence that you changed your story. Keep your answers to the adjuster’s questions as short and succinct as possible. Tell the truth, but do not give details the adjuster does not ask for.
If you are unsure about the answer to a question, politely decline to say anything. Spreading inaccurate statements could come back to damage your claim.
Giving information about your injuries
The insurance adjuster will most likely ask you for information about your injuries. While this may seem like a routine question, you do not have to answer. It can be tempting to go into detail about your injuries right away. However, you may not know their full extent at this point. Wait until the adrenaline fades and a physician can give you a full diagnosis before talking about your injuries. Otherwise, the adjuster may assume your injuries are more minor than they are.
You should hire a lawyer
For those people who are seriously injured the issues involved in a serious injury claim can be confusing and complicated even for experienced people. Hospital liens, health insurance payback claims, and the amount of compensation from the third-party are all items that require experience in handling. When an insurance company has a large exposure on a serious injury or wrongful death claim they will do everything they can to keep the family from hiring an experienced and reputable attorney. As you know, if they don’t want you to hire an attorney, then it is your first clue that you probably should.
Insurance adjustors use a variety of tactics to ensure that you do not hire an attorney and that you settle for as little of possible.
- Acting like your friend so you trust them
- Getting you to accept partial fault for an accident that was not your fault
- Refusing to pay compensation for certain portions of your claim
- Delaying your vehicle repairs until you agree to an injury settlement
- Making you a lowball settlement offer
- Resolving the claim quickly before you have the opportunity to consult with a lawyer
Here at the Law Office of Julie M Essa, LLC, we know the tricks that insurance adjustors use. We can help you navigate the confusing and bureaucratic path of getting your claim settled so that you get the money you deserve.