When you’re dealing with the aftermath of a car accident, the last thing you want to worry about is whether the insurance company will treat you fairly. Unfortunately, auto insurance companies often use various tactics to reduce or deny claims, aiming to protect their bottom line rather than support accident victims during a challenging time. Here are five common tactics insurance companies use to minimize payouts and how a dedicated car accident lawyer can help you navigate these deceptive practices.
1. Delaying the Claims Process Without Reason
One of the most common insurance company tactics is to delay the claims process, hoping you’ll grow frustrated and settle for less than you deserve. By prolonging the process, auto insurance companies try to reduce claims by wearing down claimants’ patience. They might request endless rounds of documentation, insist on unnecessary reviews, or simply take an unusually long time to respond. These tactics can create financial pressure, especially if you’re dealing with medical bills and lost income.
2. Offering a Fast Settlement
It may seem counterintuitive, but sometimes insurance company settlement tactics involve offering a quick payout. While this might seem like a positive step, these fast settlements are often designed to be far below the true value of claims. Insurance adjusters know that accident victims are under financial stress, and they count on you being tempted by a quick cash offer.
Accepting a fast settlement can prevent you from receiving full compensation for ongoing medical care, lost wages, and other long-term costs related to your injury. Before agreeing to anything, consult with an experienced personal injury lawyer who can assess whether the offer truly reflects what you deserve.
3. Asking for a Recorded Statement
Another tactic insurance companies use is requesting a recorded statement. They may claim that this is a standard part of the process, but in reality, they’re looking for ways to twist your words to minimize your claim. Insurance adjusters are trained to ask tricky questions that could lead to answers they can later use against you. A recorded statement can be especially risky if you’re still shaken from the accident or unaware of the full extent of your injuries.
4. Blaming Pre-Existing Injuries
A favorite tactic among insurance adjusters is to blame your injuries on pre-existing conditions. They may suggest that your pain or physical limitations are due to old injuries rather than the recent accident. They might even ask you to sign a medical release form, allowing them to sift through your medical history in search of pre-existing conditions they can use against you. It’s essential that you do not sign any medical release forms without consulting an experienced personal injury lawyer first.
5. Minimizing Injuries
Insurance companies may attempt to downplay the severity of your injuries, claiming that you’re exaggerating your symptoms or that your injuries are minor. They might even send you to a doctor of their choice, one who downplays your injuries to save the company money. This tactic can be incredibly frustrating for someone genuinely suffering and needing support.
Contact an Experienced Car Accident Lawyer to Avoid These Deceptive Insurance Tactics
If you’ve been in a car accident and are facing an insurance company that seems more interested in profits than fairness, it’s time to consult with an attorney. Attorney Omar Thibeaux is known for his respectful, understanding, and client-centered approach. As “The 25% Attorney,” he charges a flat 25% fee on successful cases, ensuring you receive experienced representation without breaking the bank. Reach out to The Thibeaux Firm today for a free initial meeting, and let us protect your right to fair compensation.
